The  Law  of 
inancial  Success 


The  Law  of 
Financial  Success 


BY 

EDWARD  E.  BEALS 

Fonn«rly  Maoager   of  The  Science    Prssj 
Now  Secretary  of  The  Fiduciary  Compaay 


PUBLISHED  BY 

THE  FIDUCIARY  PRESS 

TACOMA  BUILDING 

CHICAGO 

1907 


Copyrieht,  1907.  by 
THE  FIDUCIARY  PRESS 

All  Right*  Reserved 


Notice.— This  work  is  protected  by  copyright,  and  simultaneous 
initial  publication  in  Great  Britain,  France,  Germany,  Russia  and 
other  countries.    All  foreign  rights  reserved. 


'  To  catch  dame  fortune's  goldeo  smile. 
Assiduous  wait  upon  her. 

And  gather  gear  by  every  wile 
That's  justified  by  honor. 

Not  for  to  hide  it  in  a  hedge. 
Not  for  a  train  attendant; 

But  for  the  glorious  privilege 

Of  BEING  INDEPENDENT. 


2210383 


Contents 

CHAPTER. 

Iritroduction 

I 

Money 

11 

Mental  Attitude    . 

III 

Fear  and  Worr     . 

IV 

Faith 

V 

Latent  Powers 

VI 

Ambition      . 

VII 

Desire 

VIII 

Will  Power 

IX 

Auio-Suggestior.  ., 

X 

Harmony    . 

XI 

Creation 

XII 

Concentration 

Xill 

Persistence 

XIV 

Habit 

XV 

Claiming  Your  Own     . 

XVI 

Making  Money   . 

Announcement 

PAGE 

9 

17 
11 
29 
33 
38 
44 
49 
53 
60 
65 
71 
75 
60 
84 
&8 
92 


THE  LAW  OF  FINANCIAL  SUCCESS 


Introduction 

(qtHR  law  of  Financial  Success!"  To  some 
^^  this  title  may  appear  presumptuous,  and  mdica- 
tive  of  an  overweening  vanity  on  the  part  of  a  writer 
who  wishes  to  impress  upon  the  world  the  belief  that 
his  ideas  and  opinions  regarding  the  subject  of  Finan- 
cial Success  are  of  such  transcendent  value  as  to  be 
worthy  of  the  appellation  of  "The  LAW.*'  Patience, 
patience,  good  friends,  the  author  has  no  such  bump- 
tuous  conceit — no  such  vainglory.  He  is  not  attempt- 
ing to  frame  a  law;  nor  seeking  to  impose  upon  the 
world  a  set  code  of  conduct,  emanating  from  his  finite 
mind,  and  claiming  for  it  the  authority  of  a  LAW. 
Nay,  nay,  he  has  learned  to  smile  at  such  exhibitions 
of  folly  on  the  part  of  some  so-called  thinkers  of  our 
times,  and  begs  to  be  absolved  from  the  suspicion  of 
such  childish  desire  or  intent. 

He  does  not  wish  to  pose  as  the  formulator,  dis- 
coverer, or  enunciator  of  a  new  Law.  He  knows  that 
any  Law,  to  be  really  a  LAW,  must  rest  upon  the 
eternal  foundations  of  Reality,  and  cannot  be  created, 
made,  or  formed  by  the  finite  mind  of  man.  And,  so, 
good  friends,  he  does  not  claim  to  have  madct  created 
or  formed  this  great  Universal  Law  to  the  considera- 
tion of  which  this  little  book  is  devoted.  It  is  not  his 
mental  offspring,  but  a  great,  eternal,  universal  Law 
of  Life,  which  springs  from  the  source  of  all  Laws  of 
Life.  In  fact,  it  is  an  integral  part  and  portion  of 
the  ONE  GREAT  LAW  underlying  all  Life,  and 


PAGE  19 

INTRODUCTION 


fits  into  those  other  Natural  Laws,  which,  when  com- 
bined in  an  Universal  Harmony,  form  the  outward 
manifestation  of  the  GREAT  LAW  underlying,  in- 
herent in,  and  manifesting  in  all  that  we  call  Life. 

"But,"  you  may  ask,  "is  there  then  really  a  funda- 
mental LAW  underlying  that  which  we  call  Financial 
Success?  Is  there  a  LAW  which  if  once  discovered, 
understood  and  practiced,  will  enable  one  to  accom- 
plish that  for  which  this  great  modern  world  is  so  stren- 
uously striving,  toiling  and  desiring?  Is  there  a  LAW, 
which,  when  operated  will  make  one  the  master  of 
Financial  Success,  instead  of  a  mere  blind  groper 
after  its  fruits?  Is,  indeed,  Financial  Success  tlie 
result  of  the  operations  of  a  LAW,  instead  of  the 
operation  of  mere  luck,  chance,  or  accident?** 

Ah,  yes,  good  friends,  all  this  tliat  you  seek  comes 
only  from  the  application  and  operation  of  a  great 
LAW,  of  which  the  successful  men  and  women  of  the 
world  make  use  of  either  consciously  or  uncon- 
sciously. And  this  great  LAW  is  as  well  defined  as 
is  any  other  Natural  Law,  and  when  grasped  and 
understood  may  be  practiced  and  operated  just  as 
may  any  of  its  related  Laws  on  other  planes  of  uni- 
versal activity. 

TTiere  is  no  such  thing  in  Nature  as  blind  chance, 
accident,  or  uncaused  luck.  Everything  in  Nature 
operates  in  accordance  with  LAW.  LAW  underlies 
everything.  You  may  doubt  this,  but  stop  a  moment 
and  iry  to  think  of  anything  in  our  finite  world  that 
is  not  the  effect  of  some  cause.  A  great  stone  is  dis- 
lodged and  rolls  down  the  mountain  side,  striking  a 
tree  which  it  uproots  and  sends  rolling  down  into  a 


PAGE  11 

THE  LAW  OF  FINANCIAL  SUCCESS 

stream  which  is  dammed  up,  causing  a  flood  that 
sweeps  away  a  fertile  field,  and  so  on,  and  on,  effect 
succeeding  effect.  Was  all  this  mere  blind  chance? 
Not  at  all.  The  stone  was  dislodged  in  response  to 
the  operation  of  causes  that  had  been  at  work  for 
centuries  disintegrating  the  stone,  and  which  caused 
the  boulder  to  become  dislodged  exactly  at  the  mo- 
ment when  the  inherent  power  of  the  Cause  reached 
that  particular  stage.  TTiere  was  no  more  chance  in 
the  dislodgmcnt  of  the  stone  than  there  was  in  the 
striking  of  a  clock  that  had  been  wound  up  a  day, 
or  a  week,  or  a  year  before.  It  was  all  the  result  of 
invariable  and  consistent  LAW.  And  so  was  the 
direction  of  the  stone's  fall;  and  all  the  succeeding 
incidents. 

But  mark  you  this,  had  some  Man  been  able  to 
discover  and  understand  the  LAW  in  operation  in 
that  latent  power  inherent  in  the  stone,  he  would 
have  been  able  to  have  prevented  the  stone  striking 
the  tree  and  causing  all  the  resulting  damage;  and 
he  might,  and  would,  have  been  able  to  divert  the 
stone  from  its  path  of  damage,  and  turn  it  into  some 
place  in  which  it  would  have  done  no  harm,  and  in 
which  he  could  have  broken  it  into  bits  at  his  leisure, 
and  thus  secured  building  stone  for  the  foundation  of 
his  cottage,  or  the  material  from  which  a  hard  road- 
bed could  have  been  made.  The  LAW  behind  the 
stone  was  always  there,  and  was  consistent  in  its  opera- 
tion, and  yet  Man,  by  the  power  of  his  mind  could 
have  turned  the  LAW  into  his  own  channels  and  con- 
verted it  to  his  use.  He  could  have  made  a  servant 
and  a  slave  of  this  Universal  Law,  instead  of  allow- 


INTRODUCTION 


ing  it  to  master  him,  and  become  his  tyrant;  for  in  this 
way  has  man  mastered  the  forces  of  Gravitation, 
Steam,  Hydraulics  and  Electricity,  Hfhich  once  mas- 
tered him. 

Thus  has  Man  risen  from  savagery  and  barbarism 
into  what  he  is  to-day.  And  thus  will  he  advance 
from  what  he  is  to-day  into  what  he  will  become  in 
the  days  to  come — a  creature  as  much  superior  to 
Man  of  to-day  as  the  latter  is  superior  to  the  bar- 
barian. The  story  of  Man's  Attainment  may  be  ex- 
pressed in  these  words:  "The  subjugation  and  mas- 
tery of  Nature's  forces."  And  so  it  will  ever  be. 
Man  first  is  mastered  and  operated  upon  by  Nature's 
forces.  Then  he  discovers  the  LAW  underlying  these 
forces.  Then  he  harnesses  the  force,  and  makes  it 
work  his  will.  As  the  great  English  scientist  Ray 
Lankester  has  recently  declared  in  his  works:  **Man 
is  held  to  be  a  part  of  Nature,  a  product  of  the 
definite  and  orderly  evolution  which  is  universal;  a 
being  resulting  from  and  driven  by  the  one  great  nexus 
of  mechanism  which  we  call  Nature.  He  stands 
alone,  face  to  face  with  the  relentless  mechanism.  It 
is  his  destiny  to  understand  and  control  it." 

"But,"  you  may  object,  "this  is  all  very  well,  and 
undoubtedly  true  of  the  physical  forces  of  Nature, 
but  Financial  Success  cannot  be  classed  with  these 
forces.  Why,  it  is  purely  a  latter-day  development, 
and  cannot  be  identified  with  the  great  Natural  forces 
of  which  you  have  spoken." 

Patience,  again,  good  friends  I  As  we  proceed 
you  shall  see  that  the  Law  of  Financial  Success  is 
a  part   and   parcel   of   the   Great   Law   of   Use   and 


THE  LAW  OF  FINANCIAL  SUCCESS 

Nourishment  which  is  in  operation  all  through  ani- 
mal and  vegetable  Hfe.  It  is  the  same  LAW  that 
manifests  in  the  form  of  the  securing  of  food  by  the 
animal,  the  securing  of  nourishment  by  the  plant.  Nay, 
more,  it  is  the  same  LAW  by  and  through  which 
Nature  operates  when  it  causes  the  atom  of  oxygen 
to  attract  to  itself  the  two  atoms  of  hydrogen  in  order 
to  form  the  molecule  of  water.  Water  all  over  the 
world  is  composed  of  just  these  two  substances,  com- 
bined in  just  this  proportion.  The  atom  of  oxygen 
has  the  power  to  operate  the  great  Law  of  Attraction 
and  Use,  upon  the  two  atoms  of  hydrogen,  and  when 
it  draws  them  to  itself,  the  tiny  globule  of  water  re- 
sults. 

The  oxygen  needs  the  hydrogen  to  accomplish  its 
life  mission;  the  plant  needs  the  drop  of  water  to 
accomplish  its  life  mission;  and  the  animal  needs  the 
plant  to  accomplish  its  life  mission.  And  modern  man 
needs  Financial  Success  to  accomplish  his  life's  mis- 
sion. And  each  one  draws  to  itself  that  which  it 
needs  in  proportion  to  its  use  of  the  LAW.  The  same 
LAV/  in  its  various  forms  is  in  operation  everywhere 
in  the  same  way. 

But  in  the  chemical,  mineral,  vegetable  and  ani- 
mal worlds,  the  desire  which  prompts  the  attraction, 
and  the  will  which  manifests  the  desire,  are  uncon- 
sciously exerted.  With  man,  it  is  different.  He  has 
developed  consciousness,  and  to  live  his  full  life,  and 
to  accomplish  his  manifest  destiny  he  must  use  that 
consciousness  in  discovering,  understanding  and  avail- 
ing himself  of  the  natural  forces  inherent  in  the  LAW. 

And  this  is  why  this  little  book  has  been  written — 


INTRODUCTION 


to  point  out;  first,  the  existence  of  the  Law  of  Finan- 
cial Success;  second,  to  lead  you  to  an  understanding 
of  it;  and  third,  to  give  you  the  result  of  the  experi- 
ence of  successful  men  in  the  direction  of  operating 
the  LAW.  And  now,  to  "sum  up'*  this  introduc- 
tion, as  our  legal  friends  would  say,  the  writer  asks 
you  to  consider  the  following  propositions: 

All  progress,  whether  physical,  mental,  moral,  spir- 
itual or  financial^  is  based  upon  LAW.  And  he  who 
wins  success  in  any  line  does  so  because  he  has  fol- 
lowed the  LAW  or  LAWS  pertaining  to  his  business, 
whether  he  does  it  consciously  or  unconsciously. 

Some  of  our  great  "Captains  of  Industry,"  who 
have  won  marvelous  successes  in  financial  affairs 
(though  they  may  have  failed  as  moral  or  spiritual 
beings),  have  won  their  great  success  along  this  line 
because  they,  consciously  or  unconsciously,  have  dis- 
covered the  underlying  LAW,  and  by  concentrating 
upon  it  alone,  to  the  exclusion  of  everything  else  in 
life,  have  manifested  the  operation  of  the  LAW  to 
an  almost  abnormal  degree. 

What  most  of  us  want  is  **all  'round"  success, 
but  what  we  must  remember  is  that  no  one 
can  be  an  "all  'round"  success  without  Finan- 
cial Independence.  No  matter  how  much  good 
a  person  may  want  to  do,  he  is  handicapped 
by  a  lack  of  money.  All  the  air-castles  that  he  has 
built;  all  the  beautiful  plans  that  he  has  created;  all 
the  cherished  desires  to  do  good — all  go  unfulfilled  be- 
cause there  is  no  money  with  which  to  complete  them. 
Before  these  air-castles  can  become  real  buildings; 
before  these  plans  can  become  realities;  before  these 


THE  LAW  OF  FINANCIAL  SUCCESS 

great  desires  can  be  fulfilled;  before  any  of  these 
great  things  can  be  manifested  into  living  realities — 
the  LAW  must  be  seen,  understood,  and  put  into 
conscious  operation.  And  the  purpose  of  tliis  little 
book  is  to  tell  you  HOW  TO  DO  IT! 

For  several  years  the  writer  has  seen  the  need, 
among  advanced  tliought  circles,  of  a  book  filling 
this  want.  In  his  own  life  he  has  found  that  Finan- 
cial Success  is  not  a  matter  of  grind,  and  rush,  and 
fight  and  struggle.  It  is  a  matter  of  getting  into  har- 
mony with  the  LAW,  and  then  following  that  LAW 
to  its  logical  conclusion.  In  this  little  book  he  will 
place  this  information  and  the  result  of  his  experience. 
In  it  he  will  state  the  LAW — how  to  get  in  harmony 
with  it — and  wliat  to  do  to  keep  in  the  closest  touch 
with  it. 

This  book  is  no  magic  potion  to  be  swallowed  with 
wonderful  results — it  is,  instead,  a  plain  statement 
of  the  LAW,  so  that  all  who  run  may  read,  and  then 
act.  And  he  who  acts  will  win  success,  because  he  is 
following  the  LAW  tliat  has  been  laid  down  from 
time  immemorial.  Whether  rich  or  poor,  successful 
or  unsuccessful — it  matters  not — this  book  will  be  of 
great  value  to  you.  If  you  are  a  natural  money-maker, 
you  must  have  been  using  this  LAW  unconsciously, 
and  in  such  case  this  book  will  enable  you  to  do  con- 
sciously that  which  you  have  been  partly  doing  uncon- 
sciously. If  you  are  unsuccessful,  and  money  seems 
not  to  be  attracted  by  or  to  you,  this  book  will  guide 
your  thought  and  actions  into  proper  channels  where 
you  will  be  able  to  manifest  the  LAW  and  thus  get 
&e  highest  possible  results. 


INTRODUCTION 


And,  now  that  you  have  been  told  of  the  feast  of 
good  things  ahead  of  you,  draw  up  your  chairs  to  the 
table  and  partake  of  what  nourishing  food  has  been 
provided  in  the  following  pages.  After  all,  you  know, 
"the  proof  of  the  pudding  lies  in  the  eating  thereof," 
and  so  fall  to  and  taste  that  which  has  been  gathered 
together  for  your  mental,  physical  and  financial  well- 
being.  And  now,  while  you  are  filling  your  plates, 
the  writer  proposes  the  opening  toast,  to  be  drunk  in 
Nature's  sparkHng  fluid:  "Here's  to  you — may  you 
live  long  and  prosper  by  following  the  Law  of 
Financial  Success!" 

Edward  E.  Beals. 

Chicago,  August  1,  1907. 


THE  LAW  OF  FINANCIAL  SUCCESS 


CHAPTER  I 
Money 

f^~^HERE  is  no  idea  that  seems  so  much  misunder- 
^r^  stood  as  this  idea  of  *'Money."  On  the  one 
hand  we  find  many  people  engaged  in  a  mad  chase 
after  "money  for  money's  sake,"  and  on  the  other 
hand,  many  others  who  are  decrying  money  as  the 
root  of  all  evil,  and  severely  criticising  the  tendency 
of  the  age  to  seek  money  actively.  Both  of  these 
classes  of  people  are  wrong — they  are  occupying  the 
opposite  sides  of  the  road  of  reason,  whereas  truth  is 
found  here,  as  always,  "in  the  middle  of  the  road." 
The  man  who  seeks  money  as  a  thing  of  value  in 
itself — the  man  who  worships  money  as  a  very  god — 
such  a  man  is  a  fool,  for  he  is  mistaking  the  symbol  for 
the  reality.  And,  likewise,  the  man  who  decries  the 
pursuit  and  desire  for  mo'^ey  as  a  foul,  evil  thing — he 
who  would  make  of  money  a  devil — this  man  is  like- 
wise a  fool.  The  wise  man  is  he  who  sees  money  as 
a  symbol  of  something  else  behind,  and  who  is  not 
deluded  by  mistaking  the  shadow  for  the  substance, 
either  for  good  or  evil.  The  wise  man  makes  neither 
a  god  nor  a  devil  of  money — he  sees  it  as  a  symbol 
of  almost  everything  that  man  may  obtain  from  the 
outside  world,  and  he  respects  it  as  such.  He  sees, 
while  it  is  true  that  avarice  and  greed  are  detestable 
and  hurtful  qualities  of  mind,  still  the  lack  of  the 
proper  desire  for,  and  striving  after,  money,  makes  of  man 
a  creature  devoid  of  all  that  makes  life  worth  the  living. 
When  the  sane  man  desires  money,  he  really  de- 


MONEY 


sires  the  many  things  that  money  will  purchase.  Money 
is  the  symbol  of  nearly  everything  that  is  necessary  for 
man's  well-being  and  happiness.  With  it  he  opens 
the  door  to  all  sorts  of  opportunities,  and  without  it 
he  can  accomplish  practically  nothing.  Money  is  the 
tool  with  which  man  may  carve  many  beautiful  things, 
and  without  the  aid  of  which  he  is  helpless.  Money 
is  but  the  concentrated  essence  of  things  desired,  cre- 
ated and  established  by  society  in  its  present  stage  of 
development.  There  have  been  times  in  which  there 
was  no  money — there  may  be  times  coming  in  which 
the  race  will  have  passed  beyond  the  need  of  money 
as  the  symbol  of  exchange  and  possession — but,  be 
this  as  it  may,  the  fact  remains  that  now,  right  here 
in  the  beginning  of  the  Twentieth  Century,  there  is 
nothing  that  is  so  necessary  for  man's  well-being  and 
content  as  this  much-abused  money. 

Remember  this,  first,  last  and  all  the  time,  that 
when  I  say,  "man  needs  money,"  I  mean  that  he 
needs  the  man})  things  that  mone}f  n>ill  purchase  for 
him.  And  for  one  to  decry  the  desire  for  money  is 
for  him  to  decry  the  desire  for  nearly  all  the  good  and 
desirable  things  of  life.  As  a  recent  writer  has  said: 
"Unless  a  man  acquires  money,  then  shall  he  not  eat; 
nor  be  clothed;  nor  have  shelter;  nor  books;  nor  mu- 
sic; nor  anything  else  that  makes  life  worth  living 
for  one  who  thinks  and  feels." 

The  people  who  decry  the  desire  for  money  arc 
generally  those  who  have  found  themselves  lacking 
in  the  qualities  that  tend  to  attract  money ;  or  else  those 
who  are  in  possession  of  money  that  has  been  inher- 
ited, or  is  otherwise  acquired  without  the  labor,  ex- 


THE  LAW  OF  FINANCIAL  SUCCESS 

citement  or  satisfaction  of  having  been  made  by  them- 
selves. With  the  first  mentioned  class  it  is  a  case  of 
"sour  grapes";  with  the  second  it  is  financial  dyspep- 
sia, which  has  left  the  victim  devoid  of  a  normal  ap- 
petite. 

In  spite  of  the  loud  cries  and  protests  of  our  long- 
haired brothers  and  short-haired  sisters — so-called  "re- 
formers"— money  is  still  necessary  in  order  that  man 
may  have  the  necessities  of  life,  as  well  as  a  few  luxu- 
ries. We  cannot  live  on  beautiful  theories,  but  must 
have  bread  and  butter,  and  potatoes,  and  sometimes 
a  piece  of  cake  or  pie — and  it  takes  mone})  to  get 
them.  Money  means  freedom,  independence,  liberty, 
and  the  ability  to  do  great  good,  as  well  as  great  evil. 
It  means  the  opportunity  to  carry  out  great  plans 
and  to  fulfill  great  ideals.  It  means  the  filling  in  of 
those  mental  pictures  that  we  have  sketched  out  in  our 
minds.  It  means  the  chance  of  materializing  those 
airy  "Castles  in  Spain"  that  we  have  dwelt  upon  in 
moments  of  hopeful  ecstasy.  Ah,  yes,  money  is  the 
wizard,  able  and  willing  to  work  wonders.  It  is,  in- 
deed, the  genie  who  can  and  will  do  its  master's  bid- 
ding. 

I  hold  that  in  the  present  stage  of  evolution  of  man, 
money  is  to  mankind  what  air,  water,  sunshine  and 
mother-earth  are  to  the  plant — it  is  nourishment.  And, 
as  in  the  plant,  the  desire  for  nourishment  is  a  natural 
and  worthy  instinct,  so  is  the  desire  for  this  financial 
nourishment  in  man  a  perfectly  natural  and  worthy 
instinct — it  is  the  working  of  the  same  natural  law. 
And,  mark  you  this,  that  as  the  desire  of  the  plant 
is  a  natural  indication  of  the  existence  of  the  nourish- 


MONEY 


ment-need,  so  is  this  desire  in  the  breast  of  man  a  cer- 
tain indication  of  the  possibility  of  its  satisfaction  and 
attainment,  if  natural  laws  are  but  followed.  Nature 
is  no  mocker — it  causes  no  desire  to  spring  up  in  a  liv- 
ing thing,  unless  it  also  endows  that  living  thing  with 
the  faculties  and  powers  to  attain  that  which  it 
craves.  A  realization  of  this  great  natural  law  wil! 
do  many  of  my  readers  much  good  just  now. 

But  note  this,  also.  Nature  does  not  encourage 
the  hoarding  up  of  anything  for  the  mere  sake  of  ac- 
quisition. It  punishes  this  error  severely.  The  Law 
of  Use  underlies  all  of  nature's  instinctive  cravings. 
It  desires  that  the  living  thing  shall  draw  to  itself  the 
nourishment  and  material  it  needs,  in  order  to  use  it. 
And  this  desire  for  money  on  the  part  of  man  is  gov- 
erned by  this  same  law — the  Law  of  Use.  Nature 
wishes  you  to  desire  money — to  attract  it  to  you — 
to  possess  and  acquire  it — and  lastly,  and  most  im- 
portant of  all,  to  use  it.  By  using  money,  and  keep- 
ing it  working  and  in  action,  you  will  fall  in  line  with 
the  workings  of  this  great  Law  of  Use.  By  falling  in 
with  this  Law,  you  work  in  harmony  with  the  great 
natural  forces  and  purposes.  You  bring  yourself 
into  harmony  with  the  Cosmic  Plan,  instead  of  oppos- 
ing it,  and  when  man  so  brings  himself  into  harmony 
with  the  natural  forces  around  him,  he  reduces  fric- 
tion and  receives  the  reward  that  comes  to  all  living 
things   that  work  with,  instead  of  against,  the  LAW. 

So,  friends,  in  closing  this  chapter,  I  would  say  to 
you:  Be  not  afraid,  but  assert  the  desirability  of  the 
possession  and  use  of  money;  recognize  that  it  is  your 
natural  right  to  possess  it,  just  as  it  is  the  natural  right 


^ Page  a 

THE  LAW  OF  FINANCIAL  SUCCESS 

of  the  plant  to  sunshine,  Hght  and  air.  And  do  more 
than  this — it  belongs  to  you — demand  it  of  the  LAW, 
just  as  does  the  plant. 

Cease  all  this  talk  of  the  beauty  of  poverty,  and 
the  joy  of  the  humble — you  know  that  in  the  bottom 
of  your  heart  you  do  not  mean  a  word  of  it.  You 
know  that  you  are  just  saying  these  things  because  you 
are  afraid  that  you  cannot  have  that  which  you  want. 
Throw  off  this  mask  of  hypocrisy,  and  self-deception, 
and  stand  out  in  the  open  like  a  man,  throwing  your 
head  up  and  looking  the  world  in  the  face,  saying, 
"Yes,  I  do  desire  Money;  I  want  it  and  I  want  it 
eamestl}),  and  through  the  LAW  I  demand  it  as  my 
rightful  inheritance — and  I'm  going  to  get  it,  begin- 
ning right  now!" 

Throw  off  the  shackles  of  the  slave,  and  assert 
your  freedom.  Assert  your  own  mastery  of  that  which 
is  your  own.  Don't  be  afraid  to  assert  what  you 
want,  and  to  see  it  clearly  ahead  of  you — then  march 
straight  onward  to  the  mark,  without  turning  to  the 
right,  or  to  the  left,  without  fear  or  favor,  without 
flinching  or  fouling — straight  to  the  mark  which  is 
called  Financial  Success!  For  in  that  goal,  alone, 
may  you  find  that  for  which  you  seek — that  which 
your  heart  desires. 


MENTAL  ATTITUDE 


CHAPTER  II 
Mental  Attitude 

J^OU  remember  the  saying  of  the  saaed  writer: 
O^  "  As  a  man  thinketh  in  his  heart,  so  is  he.  '* 
A  truer  statement  never  was  uttered.  For  every  man 
or  woman  is  what  he  or  she  is,  by  reason  of  what  he 
or  she  has  thought.  We  have  thought  ourselves  into 
what  we  are.  One's  place  in  Hfe  is  largely  determined 
by  his  Mental  Attitude. 

Mental  Attitude  is  the  result  of  the  current  of  one's 
thoughts,  ideas,  ideals,  feelings,  and  beliefs.  You 
are  constantly  at  work  building  up  a  Mental  Attitude, 
which  is  not  only  making  your  character  but  which 
is  also  having  its  influence  upon  the  outside  world, 
both  in  the  direction  of  your  effect  upon  other  people, 
as  well  as  your  quality  of  attracting  toward  yourself 
that  which  is  in  harmony  with  the  prevailing  mental 
state  held  by  you.  Is  it  not  most  important,  then,  that 
this  building  should  be  done  with  the  best  possible  ma- 
terials— according  to  the  best  plan — with  the  best  tools? 

The  keynote  of  this  chapter  is:  **A  positive  Men- 
tal Attitude  Wins  Financial  Success."  Before  going 
any  further,  let  us  define  the  word  "Positive"  and  its 
opposite,  **Negative,"  and  then  see  how  the  former 
wins  success  and  the  latter  attracts  failure.  In  the 
sense  in  which  I  use  the  terms,  ''Positive"  means  Con- 
fident Expectation,  Self-Confidence,  Courage,  Initia- 
tive, Energy,  Optimism,  Expectation  of  Good,  not 
Evil — of    Wealth,    not    Poverty — Belief   in    Oneself 


THE  LAW  OF  FINANCIAL  SUCCESS 

and  in  the  LAW,  etc.,  etc.;  "Negative"  means  Fear, 
Worry,  Expectation  of  Undesirable  Things,  Lack  of 
Confidence  in  Oneself  and  the  LAW,  etc.,  etc. 

In  the  first  place  Mental  Attitude  tends  towards 
success  by  its  power  in  the  direction  of  **making  us 
over**  into  individuals  possessing  qualities  conducive 
to  success.  Many  people  go  through  the  world  be- 
moaning their  lack  of  the  faculties,  qualities  or  tem- 
perament that  they  instinctively  recognize  are  active 
factors  in  the  attainment  of  success.  They  see  others 
possessing  these  desirable  qualities  moving  steadily 
forward  to  their  goal,  and  they  also  feel  if  they  them- 
selves were  but  possessed  of  these  same  qualities  they, 
too,  might  attain  the  same  desirable  results.  Now,  so 
far,  their  reasoning  is  all  right — but  they  do  not  go  far 
enough.  They  fail  here  because  they  imagine  that 
since  they  have  not  the  desired  qualities  at  the  moment, 
they  can  never  expect  to  possess  them.  They  regard 
their  minds  as  something  that  once  fixed  and  built 
can  never  be  improved  upon,  repaired,  rebuilt,  or  en- 
larged. Right  here  is  where  the  majority  of  people 
*'fall  down,"  to  use  the  expressive  although  slangy 
words  of  the  day. 

As  a  matter  of  fact,  the  great  scientific  authorities 
of  the  present  time  distinctly  teach  that  a  man  by 
diligent  care  and  practice,  may  completely  change  his 
character,  temperament,  and  habits.  He  may  kill 
out  undesirable  traits  of  character,  and  replace  them 
by  new  and  desirable  traits,  qualities  and  faculties. 
The  brain  is  now  known  to  be  but  the  instrument  and 
tool  of  something  called  Mind,  which  uses  the  brain 
as  its  instrument  of  expression. 


PAGE  84  

MENTAL  ATTITUDE        

And  the  brain  is  also  now  known  to  be  composed 
of  millions  of  tiny  cells,  the  majority  of  which  are  not 
in  use.  It  is  also  known  that  if  one  turns  his  at- 
tention and  interest  in  certain  directions,  the  unused 
cells  in  the  area  of  his  brain  which  is  the  center  of 
such  subject,  will  be  stimulated  into  action  and  will 
begin  to  manifest  actively.  Not  only  this,  but  the 
stimulated  sections  of  cells  will  begin  also  to  actively 
manifest  their  reproductive  qualities,  and  nen^  brain 
cells  will  be  evolved,  grown  and  developed  in  order 
to  furnish  proper  mental  tools  with  which  to  manifest 
the  new  desires,  qualities  and  feelings  pressing  for- 
ward for  expression. 

Scientific  Character  Building  is  not  a  mere  idle 
theory,  but  a  live,  vital,  actual,  practical  fact,  being 
put  into  operation  in  the  psychological  laboratories  of 
the  country,  and  by  thousands  of  private  individuals 
all  over  the  world  who  are  rapidly  * 'making  themselves 
over'*  by  this  method.  And  the  prevailing  Mental  At- 
titude is  the  pattern  upon  which  the  brain  cells  build. 
If  you  can  but  grasp  this  truth  you  have  the  key  to 
success  in  your  hands. 

Now,  let  us  consider  the  second  phase  of  the  ac- 
tion of  Mental  Attitude  toward  Financial  Success.  I 
allude  to  the  effect  upon  others  of  one's  Mental  Atti- 
tude. Did  you  ever  stop  long  enough  to  think  that 
we  are  constantly  giving  other  people  suggestive  im- 
pressions of  ourselves  and  quaHties?  Do  you  not 
know  that,  if  you  go  about  with  the  Mental  Attitude 
of  Discouragement,  Fear,  Lack  of  Self -Confidence, 
and  all  the  other  Negative  qualities  of  mind,  other 
people  are  sure  to  catch  the  impression  and  govern 
themselves  toward  you  accordingly? 


PAGE  25 

THE  LAW  OF  FINANCIAL  SUCCESS 

Let  a  man  come  into  your  presence  for  the  purpose 
of  doing  business  with  you  and  if  he  lack  self-con- 
fidence in  himself  and  the  things  he  wishes  to  sell  you, 
you  will  at  once  catch  his  spirit  and  will  feel  that  you 
have  no  confidence  in  him  or  the  things  he  is  offering. 
You  will  catch  his  mental  atmosphere  at  once,  and 
he  will  suffer  thereby.  But  let  this  same  man  fill 
himself  up  with  thoughts,  feelings,  and  ideals  of  En- 
thusiasm, Success,  Self-Confidence,  Confidence  in  his 
proposition,  etc.,  and  he  will  fairly  radiate  success 
toward  you,  and  you  will  unconsciously  "take  stock'* 
in  him  and  interest  in  his  goods,  and  the  chances  are 
that  you  will  be  willing  and  glad  to  do  business  with 
him. 

Do  you  not  know  men  who  radiate  Failure,  Dis- 
couragement and  "I  Can't"?  Are  you  not  affected 
by  their  manifested  Mental  Attitude  to  their  hurt? 
And,  on  the  other  hand,  do  you  not  know  men  who 
are  so  filled  with  Confidence,  Courage,  Enthusiasm, 
Fearlessness,  and  Energy,  that  the  moment  you  come 
into  their  presence,  or  they  into  yours,  you  at  once 
catch  their  spirit,  and  respond  thereto?  I  contend 
that  there  is  an  actual  atmosphere  surrounding  each  of 
these  men — which  if  you  are  sensitive  enough  you  can 
feel — one  of  repulsion,  and  the  other  of  attraction. 
And  further,  that  these  atmospheres  are  the  result  of 
the  constant  daily  thought  of  these  men  or  the  Mental 
Attitude  of  each  toward  life.  Think  over  this  a  bit, 
and  you  will  see  at  once  just  how  the  LAW  works. 

The  third  phase  of  the  action  of  Mental  Attitude 
towards  Financial  Success  may  be  called  the  working 
of  the  Law  of  Attraction.     Now,  without  attempting 


PAGE  26 ____^_^^ 

MENTAL  ATTITUDE 

to  advance  any  wild  theories,  I  still  must  assert  that 
all  thinking,  observing  men  have  noticed  the  operation 
of  a  mental  Law  of  Attraction,  whereby  "like  at- 
tracts like." 

Avoiding  all  theories  on  the  subject,  I  state  the  gen- 
eral principle  that  a  man's  Mental  Attitude  acts  as  a 
magnet,  attracting  to  him  the  things,  objects,  circum- 
stances, environments,  and  people  in  harmony  with 
that  Mental  Attitude.  If  we  think  Success  firmly 
and  hold  it  properly  before  us,  it  tends  to  build  up  a 
constant  Mental  Attitude  which  invariably  attracts  to 
us  the  things  conducive  to  its  attainment  and  materiali- 
zation. If  we  hold  the  ideal  of  Financial  Success — in 
short.  Money — our  Mental  Attitude  will  gradually 
form  and  crystallize  the  MONEY  ideal.  And  the 
things  pertaining  to  Money — people  calculated  to  help 
us  win  Money — circumstances  tending  to  bring  us 
Money — opportunites  for  making  Money — in  fact,  all 
sorts  of  Money-things — will  be  attracted  toward  us. 

You  think  this  visionary  talk,  do  you?  Well, 
then,  just  make  a  careful  study  of  any  man  who  has 
attained  Financial  Success  and  see  whether  or  not  his 
prevailing  attitude  is  not  that  of  expectation  of  mone}^. 
He  holds  this  Mental  Attitude  as  an  ideal,  and  he  is 
constantly  realizing  that  ideal. 

Fix  ^our  mind  firmly  upon  anything,  good  or  bad, 
in  the  world,  and  you  attract  it  to  you  or  are  attracted 
to  it  in  obedience  to  the  LAW.  You  attract  to  you 
the  things  you  expect,  think  about  and  hold  in  your 
Mental  Attitude.  This  is  no  superstitious  idea,  but  a 
firmly  established,  scientific,  psychological  fact. 

To   further   illustrate    the   workings   of   the   above 


THE  LAW  OF  FINANCIAL  SUCCESS 

LAW,  "like  attracts  like,'*  and  "birds  of  a  feather 
flock  together,"  I  might  here  present  the  theory  which 
of  late  has  been  the  subject  of  much  discussion  among 
noted  psychologists,  i.  e.,  that  there  are  thought  cur- 
rents in  the  mental  realm  just  as  there  are  air  currents 
in  the  atmosphere,  and  ocean  currents  in  the  seas. 
For  instance,  there  are  thought  currents  of  vice  and 
others  of  virtue;  thought  currents  of  fear  and  others 
of  courage;  thought  currents  of  hate  and  others  of 
love ;  thought  currents  of  poverty  and  others  of  wealth. 
And,  further  than  this,  the  person  who  thinks  and 
talks  and  expects  poverty  is  drawn  into  the  poverty 
thought  currents  of  the  world  and  attracts  to  himself 
others  who  think  and  talk  along  the  same  lines;  and 
vice  versa:  the  f)erson  who  thinks,  talks  and  expects 
wealth  and  prosperity  attracts,  or  is  attracted  to,  peo- 
ple of  wealth  and  comes,  in  time,  to  share  their  pros- 
perity with  them.  I  am  not  trying  to  champion  this 
theory,  but  if  it  should  be  true  it  behooves  each  one 
of  us  to  watch  our  thought  and  talk,  getting  rid  of 
the  poverty  thought,  and  in  its  place  substituting  the 
wealth  and  prosperity  thought. 

Sweep  out  from  the  chambers  of  your  mind  all 
these  miserable  negative  thoughts  like  "I  can't," 
"That's  just  my  luck,"  "I  knew  I'd  do  it,"  "Poor 
me,"  etc.,  and  then  fill  up  the  mind  with  the  positive, 
invigorating,  helpful,  forceful,  compelling  ideals  of 
Success,  Confidence,  and  expectation  of  that  which 
you  desire;  and  just  as  the  steel  filings  fly  to  the  at- 
traction of  the  magnet,  so  will  that  which  you  need 
fly  to  you  in  response  to  this  great  natural  principle  of 
mental  action — the  Law  of  Attraction.      Begin  this 


MENTAL  ATTITUDE 


very  moment  and  build  up  a  new  ideal — that  of  Fi- 
nancial Success — see  it  mentally — expect  it — demand 
it!  This  is  the  way  to  create  it  in  your  Mental  Atti- 
tude. 


PAGE  2B 

THE  LAW  OF  FINANCIAL  SUCCESS 


CHAPTER  III 
Fear  and  Worry 

(n[\  HE  great  negative  note  in  the  lives  of  most  peo- 
^9^  pie  is  Fear.  Fear  is  the  mother  of  all  the  nega- 
tive emotions,  and  her  brood  is  found  clustering  very 
closely  around  her.  Worry,  Lack  of  Confidence, 
Bashfulness,  Irresolution,  Timidity,  Depression,  and 
all  the  rest  of  the  negative  brood  of  feelings  and  emo- 
tions are  the  progeny  of  Fear.  Without  Fear  none  of 
these  minor  emotions  or  feelings  would  exist.  By  kill- 
ing off  the  parent  of  this  possible  brood  of  mental 
vampires,  you  escape  the  entire  coming  generations  of 
negative  thoughts,  and  thus  keep  your  Mental  Attitude 
garden  free  from  these  pests  and  nuisances. 

Fear  and  the  emotions  that  come  from  its  being  do 
more  to  paralyze  useful  effort,  good  work,  and  finely 
thought-out  plans,  than  aught  else  known  to  man.  It 
is  the  great  hobgoblin  of  the  race.  It  has  ruined  the 
lives  of  thousands  of  people.  It  has  destroyed  the  finely 
budding  characters  of  men  and  women,  and  made 
negative  individuals  of  them  in  the  place  of  strong, 
reliant,  courageous  doers  of  useful  things. 

Worry  is  the  oldest  child  of  Fear.  It  settles  down 
upon  one*s  mind,  and  crowds  out  all  of  the  develop- 
ing good  things  to  be  found  there.  Like  the  cuckoo  in 
the  sparrow's  nest,  it  destroys  the  rightful  occupants 
of  the  mind.  Laid  there  as  an  egg  by  its  parent. 
Fear,  Worry  soon  hatches  out  and  begins  to  make 
trouble.     In  case  of  the  cheerful  and  positive  "I  Can 


PAGE  30 

FEAR  AND  WORRY 

and  I  Will"  harmony.  Worry  begins  to  rasp  out  in 
raucous  tones:  "Supposin*,"  "What  if/'  *'But,"  "I 
can't," 'Tm  unlucky,""!  never  could  do  things  right," 
"Things  never  turn  out  right  with  me,"  and  so  on  un- 
til all  the  minor  notes  have  been  sounded.  It  makes 
one  sick  bodily,  and  inert  mentally.  It  retards  one's 
progress,  and  is  a  constant  stumbling  block  in  our  path 
upward. 

The  worst  thing  about  Fear  and  Worry  is  that 
while  they  exhaust  a  great  part  of  the  energy  of  the 
average  person,  they  give  nothing  good  in  return. 
Nobody  ever  accomplished  a  single  thing  by  reason 
of  Fear  and  Worry.  Fear  and  Worry  never  helped 
one  along  a  single  inch  on  the  road  to  Success.  And 
the])  never  Tvill,  because  their  whole  tendency  is  to 
retard  progress,  and  not  to  advance  it.  The  majority 
of  things  that  we  fear  and  worry  about  never  come  to 
pass  at  a//,  and  the  few  that  do  actually  materialize 
are  never  as  bad  as  we  feared  they  would  be.  It  is 
not  the  cares,  trials  and  troubles  of  to-day  that  unnerve 
us  and  break  us  down — it  is  the  troubles  that  we  fear 
may  come  some  time  in  the  future.  Everyone  is  able 
to  bear  the  burdens  of  to-day,  but  when  he  heaps  on 
the  burdens  of  to-morrow,  the  next  day,  and  the  day 
after  that,  he  is  doing  his  mind  an  injustice,  and  it  is 
no  wonder  that  after  a  bit  he  heaps  on  the  last  straw 
that  breaks  the  back  of  the  mental  camel. 

The  energy,  work,  activity  and  thought  that  we  ex- 
pend on  these  imaginary  "maybe"  troubles  of  the  fu- 
ture would  enable  us  to  master  and  conquer  the  trou- 
bles of  each  day  as  they  arise.  Nature  gives  each  of 
us  a  reserve  supply  of  strength  and  energy  upon  whick 


THE  LAW  OF  FINANCIAL  SUCCESS 

to  draw  and  oppose  unexpected  troubles  and  problems 
as  they  come  upon  us  each  day.  But  we  poor,  silly 
mortals  draw  upon  this  reserve  force  and  dissipate  it 
in  combating  the  imaginary  troubles  of  next  week,  or 
next  year,  the  majority  of  which  never  really  put  in  an 
appearance — and  when  we  have  need  of  the  force  to 
oppose  some  real  trouble  of  the  day  we  find  ourselves 
bankrupt  of  power  and  energy,  and  are  apt  to  go  down 
in  defeat,  or  else  be  compelled  to  beat  an  inglorious 
retreat. 

I  tell  you,  friends,  that  if  you  once  learn  the  secret 
of  killing  off  this  vampire  of  Fear,  and  thus  prevent  the 
rearing  of  her  hateful  brood  of  reptile  emotions,  life 
will  seem  a  difi^erent  thing  to  you.  You  will  begin  to 
realize  what  it  is  to  live.  You  will  learn  what  it  is 
to  have  a  mind  cleared  of  weeds,  and  fresh  to  grow 
healthy  thoughts,  feelings,  emotions  and  ambitions. 

And  you  will  find  that  with  Fear  killed  out,  you 
will  cease  to  give  out  to  others  the  suggestions  of  in- 
competence, lack  of  reliance  on  yourself,  and  the  other 
impressions  that  hurt  one's  chances.  You  will  find 
that  when  you  are  rid  of  Fear  you  will  radiate  hope, 
and  confidence,  and  ability,  and  will  impress  all  those 
with  whom  you  come  in  contact. 

And  you  will  find  also  that  the  eradication  of  Fear 
will  work  wonders  in  your  Mental  Attitude,  and  the 
operation  of  it  through  the  Law  of  Attraction.  When 
one  fears  a  thing  he  reall})  attracts  it  to  him,  just  as  if 
he  desired  it.  The  reason  is  this — when  one  desires 
or  fears  a  thing  (in  either  case  the  principle  is  the 
same)  he  creates  a  mental  picture  of  the  thing,  which 
mental  picture  has  a  tendency  toward  materialization. 


FEAR  AND  WORRY 


With  this  mental  picture  in  his  mind — if  he  holds  to  it 
long  enough — ^he  draws  the  things  or  conditions  to 
him,  and  thus  "thought  takes  form  in  action  and  be- 
ing." The  majority  of  our  fears  and  worries  are 
silly  little  things  that  take  our  thought  for  a  moment, 
and  then  are  gone.  They  are  great  wasters  of  energy, 
but  we  do  not  concentrate  on  any  one  of  them  long 
enough  to  put  into  operation  the  Law  of  Attraction. 

And  so  you  see,  that  unless  you  get  rid  of  Fear,  it 
will  tend  to  draw  toward  you  the  thing  you  fear,  or 
else  force  you  toward  the  thing  itself.  Fear  makes 
of  the  feared  object  a  flame  around  which  you  circle 
and  flutter,  like  the  moth,  until  at  last  you  make  a 
plunge  right  into  the  heat  of  the  flame  and  are  con- 
sumed.     Kill  out  Fear,  by  all  means. 

"But,  how  may  I  kill  it  out?"  you  cry.  Very 
easily!  This  is  the  method:  Suppose  you  had  a 
roomful  of  darkness.  Would  you  start  to  shovel  or 
sweep  out  the  darkness?  Or  would  you  not  throw 
open  the  windows  and  admit  the  light?  When  the 
light  pours  in,  the  darkness  disappears.  And  so  with 
the  darkness  of  Fear — throw  open  the  windows,  and 
"let  a  little  sunshine  in."  Let  the  thoughts,  feelings, 
and  ideals  of  Courage,  Confidence  and  Fearlessness 
pour  into  your  mind,  and  Fear  will  vanish.  When- 
ever Fear  shows  itself  in  your  mind,  administer  the 
antidote  of  Fearlessness  immediately.  Say  to  your- 
self: "I  am  Fearless;  I  Fear  Nothing;  I  am  Cour- 
ageous,"    Let  the  sunshine  pour  in. 


PAGE 

THE  LAW  OF  FINANCIAL  SUCCESS 


CHAPTER  IV 
Faith 

J^AITH"  Is  a  word  that  has  been  often  misused, 
^\  misapplied  and  misunderstood.  To  many  it 
means  simply  that  attitude  of  mind  which  will  accept 
anything  that  is  told  it,  merely  because  someone  else 
has  said  it — credulity,  in  fact.  But  those  who  have 
penetrated  within  the  shell  of  the  word  know  that  it 
means  something  far  more  real  than  this — something 
imbedded  deep  down  in  the  Heart  of  Things.  To 
those  who  understand  the  LAW,  Faith  is  the  trolley- 
pole  which  one  raises  to  meet  the  Great  Forces  of  Life 
and  Nature,  and  by  means  of  which  one  receives  the 
inflow  of  the  Power  which  is  behind,  and  in  all  things, 
and  is  enabled  to  apply  that  Power  to  the  running  of 
his  own  affairs. 

To  some,  it  may  seem  a  far  cry  from  Faith  to 
Financial  Success,  but  to  those  who  have  demonstrated 
the  truths  enunciated  in  this  Httle  book,  the  two  are 
closely  interwoven.  For  one  to  attain  Financial  Suc- 
cess he  must  first  have  Faith  in  Himself ;  second.  Faith 
in  his  Fellowman ;  and  third,  Faith  in  the  LAW. 

Faith  in  oneself  is  of  primary  importance,  for  unless 
one  has  it  he  can  never  accomplish  anything;  can 
never  influence  any  other  person's  opinion  of  him ;  can 
never  attract  to  himself  the  things,  persons  and  circum- 
stances necessary  for  his  welfare.  A  man  must  first 
learn  to  believe  in  himself  before  he  will  be  able  to 
make  others  believe  in  him.      People  are  prone  to  take 


FAITH 


a  person  at  his  own  estimate.  If  one  is  weak,  nega- 
tive and  lacking  in  self-confidence,  he  surrounds  him- 
self with  an  atmosphere  of  negativity  which  unfavor- 
ably impresses  those  with  whom  he  comes  in  contact. 
If  one  be  strong,  confident  and  positive,  he  radiates 
Hke  qualities,  and  those  coming  in  contact  with  him 
receive  an  impression  of  these  qualities.  The  world 
believes  in  those  who  believe  in  themselves.  And  so 
you  see  it  is  of  the  utmost  importance  to  you  that  you 
cultivate  this  Faith  in  yourself. 

And  not  only  does  Faith  in  yourself  operate  in  the 
direction  of  influencing  others  with  whom  you  come 
in  contact,  but  it  also  has  a  most  positive  bearing  upon 
your  own  mental  status  and  thoughts.  If  you  deaden 
your  mind  with  a  negative  attitude  toward  yourself, 
you  stifle  budding  ideas,  thoughts  and  plans — you 
choke  the  budding  plants  of  your  mentality.  But,  if 
you  let  pour  forth  a  full,  abiding,  confident  Faith  in 
yourself — your  abilities,  your  qualities,  your  latent 
powers,  your  desires,  your  plans — your  Success,  in 
short — you  will  find  that  the  whole  mental  garden  re- 
sponds to  the  stimulating  influence;  and  ideas, 
thoughts,  plans  and  other  mental  flowers  will  spring 
up  rapidly.  There  is  nothing  so  stimulating  as  a 
strong,  positive  **I  Can  and  I  Will'*  attitude  toward 
oneself. 

And  you  remember  what  has  been  said  about  the 
Law  of  Attraction — you  remember  how  "like  attracts 
like,'*  and  how  one*s  Mental  Attitude  tends  to  draw 
toward  him  the  things  in  harmony  with  his  thoughts. 
Well,  this  being  so,  can  you  not  see  that  a  Mental  At- 
titude of  Faith  or  Confidence  in  Oneself  is  calculated 


THE  LAW  OF  FINANCIAL  SUCCESS 

to  attract  to  you  that  which  fits  in  with  such  Faith — 
that  will  tend  to  materialize  your  ideal? 

"Confidence  is  the  basis  of  all  trade";  so  says  one 
of  our  recent  business  philosophers,  and  this  statement 
is  true ;  for  if  we  did  not  have  Confidence  or  Faith  in 
our  Fellowman,  all  trade,  all  business,  all  commerce 
would  come  to  a  standstill.  The  wholesale  merchant 
ships  yearly  hundreds  of  thousands  of  dollars'  worth 
of  goods  to  dealers  in  his  territory.  He  has  Faith  that  in 
thirty,  sixty  or  ninety  days  those  dealers  will  pay  their 
bills  and  he  will  reap  his  profits.  You  go  to  the  retail 
dealer  and  buy  a  suit,  or  dress,  or  hat,  or  groceries, 
having  the  same  charged  to  your  account.  Your 
dealer  has  Confidence  or  Faith  enough  in  you  to  let 
you  have  these  goods,  expecting  that  you  will  pay  your 
bill  when  it  falls  due.  This  same  rule  holds  good  in 
almost  every  transaction  in  life.  You  must  have  con- 
fidence in  a  man  before  you  care  to  deal  with  him. 

Some  people  seem  to  be  of  a  naturally  suspicious 
frame  of  mind,  always  of  the  opinion  that  somebody 
else  is  trying  to  "do"  them.  Others  are  gullible  and 
swallow  everything — bait,  hook  and  line.  Neither  is 
the  wisest  frame  of  mind.  It  is  much  better  to  main- 
tain the  thought  of  good-will,  fellowship,  and  confi- 
dence towards  one's  fellowman,  weighing  all  things 
impartially  from  an  unprejudiced  standpoint,  and  then 
render  your  decision  after  due  thought  from  the  facts 
in  the  case.  But,  by  all  means,  have  faith  in  your 
Fellowman. 

But,  this  Faith  in  Oneself,  and  Faith  in  your  Fel- 
lowman, important  though  they  be,  are  not  the  only 
kinds  of  Faith  that  one  needs  in  order  to  attain  Finan- 


PAGE  86 

FAITH 


cial  Success.  There  is  that  which  may  be  called  Faith 
in  the  LAW.  This  may  seem  a  little  strange  to  you, 
but  when  you  consider  it  for  a  moment,  you  will  see 
just  how  it  operates. 

You  will  note  that  nearly  all  successful  men  have 
a  deep-rooted  belief  in  Something  Outside  that  helps 
them  along.  They  do  not  know  just  what  this  Some- 
thing is — some  call  it  **Luck";  some  call  it  "their 
Destiny";  some  call  it  their  **Star'*;  and  why  not? 
But  under  all  of  these  names  there  is  an  instinctive  be- 
lief in,  and  faith  in  a  Something  Friendly  that  helps 
them  along,  and  carries  them  over  the  hard  places,  and 
rounds  the  sharp  corners  of  business  life.  Watch  any 
successful  man,  and  you  will  see  that  even  when  he  is 
not  able  to  reason  out  the  means  whereby  he  is  going 
to  get  over,  or  around,  or  under  a  set  of  difficulties, 
still  he  exhibits  a  hopeful  faith  and  belief  that  he  is 
"going  to  get  through  it  somehow."  And  he  does,  if 
he  holds  on  to  his  Faith.  Something  is  there  at  work 
lending  to  *'pull  him  through."  Ask  any  successful 
business  man  if  this  is  not  so.  And  this  Something, 
that  successful  men  instinctively  trust  in,  is  nothing  but 
this  great  LAW  that  underlies  all  of  the  affairs  of 
Life.  The  nearer  that  one  can  feel  in  contact  with 
this  LAW,  the  more  power  does  he  receive  from  it. 
And  thus  Faith  is  the  underlying  channel  by  which  the 
Power  of  the  LAW  is  transmitted  to  you. 

Why  should  you  Fear?  You  seat  yourself  in  a 
train  or  street-car,  and  read  your  paper,  having  Faith 
that  the  engineer  or  motorman  will  take  you  to  your 
destination.  You  manifest  this  Faith  in  everyday  busi- 
ness life.     Without  Faith  in  the  Whole  Thing,  busi- 


^ PAGES? 

THE  LAW  OF  FINANCIAL  SUCCESS 

ness  would  be  impossible.  You  manifest  Faith  at 
every  turn  of  the  road.  And  this  being  so,  why 
should  you  not  manifest  Faith  in  the  underlying  LAW 
which  is  manifesting  in  things?  Do  you  suppose  for 
an  instant  that  this  whole  Cosmic  Machinery  is  run 
by  Chance?  There  is  no  such  thing  as  Chance! 
Everything  is  run  under  some  great  LAW!  And  the 
Law  of  Financial  Success  is  just  as  much  a  part  of 
that  great  system  of  LAW  as  is  the  Law  of  Gravita- 
tion. You  study  the  Laws  of  physical  life,  and  find 
them  invariable,  and  therefore  worthy  of  bestowing 
Faith  upon.  Why  should  you  not  recognize  the  great 
Mental  Laws  operative  in  business  life,  and  acquaint 
yourself  with  their  workings?  Why  should  you  not 
have  Faith  in  them?  There  is  no  better  plan  of  bring- 
ing yourself  into  harmony  with  the  Law  of  Financial 
Success,  than  to  recognize  and  have  Faith  in  it.  Con- 
sider the  careers  of  successful  business  men  of  your 
acquaintance,  and  see  if  this  is  not  so.  By  doing  so 
you  will  receive  a  new  light  on  a  heretofore  dark  sub- 
ject. 


LATENT  POWERS 


CHAPTER  V 
Latent  Powers 

0P^N  beginning  this  chapter,  I  am  reminded  of  the 
^*^  words  of  Lovell:  "There  are  infinite  powers 
lying  dormant  in  man,  here,  now — powers  which, 
could  he  but  catch  a  glimpse  of,  would  endow  his  life 
on  this  planet  with  greater  splendor,  and  impart  to  it 
a  redoubled  interest." 

The  man  who  regards  himself  as  a  creature  built 
on  a  certain  mental  plan,  and  incapable  of  any  ma- 
terial change  beyond  an  improvement  of  the  faculties 
already  being  expressed,  sees  but  a  small  portion  of 
the  truth  regarding  himself  and  his  possibilities.  Very 
few  men  express  or  manifest  more  than  a  small  part 
of  their  latent  power.  They  live  long  lives  and  go 
down  to  their  graves  without  suspecting  that  within 
their  mental  kingdom  there  had  reposed  dormant  facul- 
ties, and  latent  powers  which,  if  expressed,  would  have 
enabled  them  to  have  lived  far  wider,  broader,  fuller 
lives. 

Nearly  every  man  who  has  attained  success  along 
any  of  the  varied  lines  of  human  endeavor  will  tell  you 
that  at  some  period  of  his  life  he  was  called  upon  to 
assume  certain  responsibilities — undertake  some  unac- 
customed task — play  some  unfamiliar  part  on  life's 
stage — and  then  much  to  his  surprise  found  that  he 
had  within  him  the  power,  capability,  and  qualifica- 
tions for  a  successful  accomplishment  of  the  strange 
task.     The  crucial  point  was  when  he  was  brought 


THE  LAW  OF  FINANCIAL  SUCCESS 

face  to  face  with  the  new  undertaking.  If,  as  is  the 
case  with  the  majority  of  men,  he  lacked  nerve  enough 
to  say  **I  Can  and  I  Will,"  the  story  was  ended. 
But  if  he  had  that  Something  within  him  which  en- 
abled him  to  assert  his  determination  to  face  the  thing 
manfully  and  at  least  to  go  down  with  his  flags  fly- 
ing rather  than  to  run  away,  he  would  find  much  to  his 
surprise  that  there  was  within  him  a  power  which  re- 
sponded to  the  needs  of  the  hour  and  which  enabled 
him  to  master  the  undertaking. 

These  experiences  are  not  exceptional  or  unusual — 
they  are  part  of  the  common  experience  of  nearly  all 
successful  men.  And  successful  men  get  to  realize  that 
they  have  within  them,  hidden  in  some  of  the  many 
recesses  of  the  mind,  latent  powers,  unsuspected  tal- 
ents, and  dormant  faculties  which  are  awaiting  calmly 
the  hour  of  their  call  to  action.  The  human  mind  is 
far  from  being  the  simple  every-day  thing  that  man 
regards  it.  There  are  hidden  chambers,  and  unex- 
plored regions.  Science  is  just  beginning  to  learn 
some  of  these  heretofore  unsuspected  truths  about  the 
mind,  and  the  result  is  dazzling  the  observer  whose 
eyes  are  suddenly  seeing  the  brilliant  truths.  There 
seem  to  be  within  every  man  possibilities  of  which 
he  has  never  even  dreamed.  There  seem  to  be  capa- 
bilities, the  extent  of  which  has  never  entered  into 
even  his  wildest  imagination.  Some  sudden  call, 
some  new  responsibility,  some  new  turn  of  fortune's 
tide,  and  the  man  is  called  upon  to  demand  of 
his  mentality  all  that  it  is  holding  in  store  for  him — 
and  he  is  seldom  disappointed,  providing  he  has  the 
nerve  and  courage  to  make  the  demand.     Aye,  but 


PAGE  to 

LATENT  POWERS 


there's  the  rub — few  have  that  courage  and  nerve. 
Have  YOU? 

I  know  personally  a  man  whose  life  up  to  the  age 
of  thirty-eight  had  been  spent  in  active  business  and 
professional  life.  The  thought  of  writing  for  the  pub- 
lic had  never  occurred  to  him.  All  of  a  sudden,  by 
one  of  those  strange  upheavals  that  come  into  the  lives 
of  men,  all  was  carried  away  from  him.  His  health 
was  shattered,  his  accumulations  were  swept  away,  he 
was  apparently  lifted  up  and  placed  in  a  new,  strange 
and  seemingly  unpromising  environment.  He  had  his 
family  to  support — he  had  practically  nothing  left  with 
which  to  do  it.  His  health  was  broken,  and  it  was  im- 
possible for  him  to  re-engage  in  his  accustomed  occupa- 
tion. While  building  up  his  health,  he  helped  a  new 
friend  to  get  the  mechanical  part  of  a  monthly  maga- 
zine in  shape.  At  the  last  moment  his  friend  discov- 
ered that  they  were  short  several  pages  of  matter, 
and  the  printers  were  impatiently  asking  for  their  full 
supply.  The  friend  was  too  busily  occupied  to  write 
the  additional  matter,  and  so  in  desperation,  he  turned 
to  my  friend  and  said,  *'Did  you  ever  write  anything 
for  publication?'*  "No,"  was  the  answer.  **Well, 
somebody  has  got  to  write  something,  and  mighty 
quick,  too.  Have  you  nerve  enough  to  try  it?" 
"Yes,'*  was  the  reply.  "I'm  like  the  boy  digging  for 
woodchuck,  who  was  asked  whether  he  expected  to 
catch  it,  and  who  replied,  *You  bet  I  do — we've  got 
the  preacher  for  dinner,  and  no  meat  in  the  house — 
I've  just  got  to  catch  that  woodchuck.'  And  so  like 
the  boy,  I've  just  got  io^  and  I  Can  and  I  Will!" 
And  he  did. 


THE  LAW  OF  FINANCIAL  SUCCESS 

He  sat  down  to  write  to  fill  that  space,  although  he 
had  never  written  a  line  for  publication  before.  He 
made  a  mighty  effort  of  his  Will,  urged  on  by  an  im- 
perative Desire,  and  almost  in  a  daze  he  found  his 
hand  at  work  writing,  easily  and  rapidly.  Before 
long  the  article  was  turned  out — and  it  was  good. 
This  success  led  to  others,  and  that  man  has  been  writ- 
ing books,  editing  magazines,  and  doing  other  work  of 
that  kind  for  the  past  seven  years,  and  he  has  been 
successful  all  along  the  line.  Within  six  months  after 
the  incident  noted  above,  he  had  completed  a  book  that 
has  since  run  through  over  twenty  editions.  And 
since  then  he  has  written  and  had  published  over  a 
dozen  other  books  on  various  subjects,  none  of  which 
have  failed  to  reach  his  public  and  all  of  which  have 
run  through  a  number  of  editions.  Inside  of  two  years 
after  the  above  incident,  he  was  editing  a  magazine, 
built  up  by  his  writings,  and  which  attained  a  circula- 
tion of  over  one  hundred  thousand  per  month. 

And  yet  this  man  had  never  written  a  line  up  to  that 
time.  An  apparently  chance  opportunity  caused  him 
to  face  the  question,  **Can  You?'*  And  instead  of 
saying,  *'Oh,  no,  Tve  never  done  that  kind  of  work — 
it  is  impossible,"  he  answered  like  the  boy  after  the 
woodchuck:  "IVe  just  got  to — I  Can  and  I  Will." 
He  met  the  crucial  test — had  nerve  enpugh  to  tackle 
the  seemingly  impossible  proposition,  and  then  found 
within  himself  unsuspected  power,  strength  and  ability 
— and  won  out. 

Is  this  merely  a  lesson  in  facing  difficulties,  and  cul- 
tivating nerve  and  self-confidence?  Not  entirely — it 
teaches  these  things  and  also  teaches  the  still  greater 


PAGE  42 

LATENT  POWERS 

truth  that  every  man  has  within  himself  wonderful 
powers,  lying  dormant  and  unsuspected,  which  are 
merely  awaiting  the  word  of  the  master  Will,  impelled 
by  a  burning,  eager,  ardent  desire,  to  spring  at  once 
into  being,  full  armed  and  equipped  for  the  fray.  And 
these  powers  and  capabilities  come  under  the  LAW — 
they  are  a  part  of  that  great  Something  behind,  under- 
neath, and  within  us  all.  The  recognition  of  the  ex- 
istence of  such  powers  is  the  first  step  toward  their 
development  and  unfoldment. 

You  think  that  you  have  not  ability  for  Financial 
Success,  simply  because  you  do  not  realize  the  exist- 
ence of  these  latent  powers  within  you.  If  you  were 
brought  suddenly  face  to  face  with  the  necessity  of 
awakening  these  powers  into  action,  and  could  muster 
up  enough  courage  to  say  '*I  Can  and  I  Will,'*  you 
would  find  the  ready  response  from  within,  and  the 
steady  flow  of  knowledge,  wisdom,  power  and  ability 
with  which  to  accomplish  the  task  set  before  you  for 
completion. 

And  so  my  parting  words  in  this  chapter  are:  Do 
not  hesitate  to  accept  any  new  responsibility,  whether 
the  same  is  forced  upon  you,  or  whether  you  reach  out 
for  it  yourself.  Say  to  yourself  over  and  over  again, 
**I  can  and  I  will  accomplish  this  task.  It  never 
would  have  been  put  before  me  unless  I  were  able." 
And  you  will  be  surprised  and  delighted  at  the  new 
and  wonderful  powers  that  will  spring  forth  from  your 
sub-conscious  self  to  aid  you  in  your  undertaking. 

These  are  not  mere  idle  words,  designed  to  make 
pleasant  reading.  They  are  the  words  of  truths  that 
have   become    apparent   to   every   successful   man    or 


Page  43 

THE  LAW  OF  FINANCIAL  SUCCESS 

woman.  Talk  with  the  successful  people  of  die 
world,  and  they  will  tell  you  that  they  have  had  this 
experience  over  and  over  again — new  opportunities 
and  new  necessities  brought  to  them  new  faculties,  and 
new  powers,  heretofore  undreamed  of.  The  demand 
always  brings  the  supply,  if  we  will  but  open  ourselves 
to  the  inflow  from  the  great  Source  of  Supply — the 
Universal  Power  House. 


AMBITION 


CHAPTER  VI 
Ambition 

"CWMBITION"— what    a    glorious    word !      How 
'^^     the  very  sound  of   it    stirs  one*s  energies,  and 
makes  one  feel  the  inspiration  to  be  up  and  at  work 
doing  things,  succeeding,  creating,  accomplishing! 

And  what  does  Ambition  really  mean,  pray?  It 
means  more  than  a  mere  eagerness  for  things.  It 
means  the  deep-seated  desire  to  materialize  certain 
ideals  which  exist  in  the  mind  as  mental  pictures.  Be- 
fore one  can  accomplish  things  he  must  be  possessed 
of  Ambition.  And  before  he  can  feel  Ambition  he 
must  have  the  preceding  hunger  which  causes  him  to 
manifest  Ambition  with  which  to  satisfy  it.  And  so 
it  follows,  anything  that  will  stimulate  that  mental 
hunger,  will  arouse  Ambition,  and  thus  create  that 
eagerness  for  action  and  attainment.  And  how  may 
that  mental  hunger  be  produced? 

There  is  a  psychological  law  underlying  this  mental 
hunger  that  manifests  as  Ambition.  And  that  law  is: — 
that  in  order  for  that  mental  hunger  to  he  manifested 
it  must  have  ideals  presented  to  the  mind's  eye.  Just 
as  the  gastric  juices  of  the  stomach  may  be  stimulated 
and  caused  to  flow  by  the  sight,  smell,  or  thought  of 
food,  so  is  this  mental  hunger  produced  by  the  sight, 
thought  or  idea  of  the  things  needed  for  its  satisfac- 
tion. If  you  are  contented  with  your  present  life, 
and  want  nothing  better,  it  is  chiefly  because  you  tnon> 
nothing  better — have  seen  nothing  better — have  heard 


THE  LAW  OF  FINANCIAL  SUCCESS 

of  nothing  better,  or  else  you  are  mentally  and  physi- 
cally lazy.  The  ignorant  savage  seeking  to  till  his 
land  by  means  of  a  sharpened  stick,  cannot  desire  a 
steel  plow  or  other  agricultural  implements  if  he 
does  not  know  of  them.  He  simply  keeps  right  at 
work  in  his  old  way — the  way  of  his  forefathers — 
and  feels  no  desire  for  a  better  implement.  But 
bye-and-bye  some  man  comes  along  with  a  steel  plow, 
and  our  savage  opens  his  eyes  in  wide  surprise  at  the 
wonderful  thing.  If  he  be  a  savage  of  discernment 
he  begins  to  get  up  an  interest  in  the  new  thing. 
He  watches  it  at  work,  and  sees  how  much  better  it 
accomplishes  the  task  than  does  his  rude  pointed  stick. 
If  he  be  a  progressive  savage,  he  begins  to  wish  he 
had  one  of  the  strange  new  implements,  and  if  he 
Tvants  it  hard  enough  he  begins  to  experience  a  new, 
strange  feeling  of  mental  hunger  for  the  thing,  which 
if  sufficiently  strong,  causes  his  Ambition  to  bud. 

And  this  is  the  critical  point.  Up  to  this  time 
he  has  felt  the  strong  Desire  preceding  Ambition. 
But  now  with  the  dawn  of  Ambition  comes  the  arous- 
ing of  the  Will.  And  this  is  what  Ambition  is,  A 
Strong  Will  Aroused  fcp  a  Strong  Desire. 

Without  these  two  elements  there  can  be  no  Ambi- 
tion. Desire  without  Will  is  not  Ambition.  One 
may  want  a  thing  very  hard,  but  if  he  does  not  arouse 
his  Will  sufficiently  strong  to  actively  co-operate  with 
the  Desire,  his  Ambition  will  *'die  a'borning.*'  And 
though  one's  Will  be  as  strong  as  steel,  yet  if  there 
be  not  a  strong  Desire  animating  and  inspiring  it,  it 
will  not  manifest  as  Ambition. 

To  manifest  Ambition  fully,  one  must  first  eagerly 


PAGE  40 

AMBITION 


desire  the  thing — not  a  mere  "wanting'*  or  "wishing" 
for  it,  but  a  fierce,  eager,  consuming  hunger  which  de- 
mands satisfaction.  And  then  one  must  have  a  Will 
aroused  sufficiently  strong  to  go  out  and  get  that  which 
Desire  is  demanding.  These  two  elements  constitute 
the  activity  of  Ambition. 

Look  around  you  at  the  successful  men  of  the  world 
in  any  line  of  human  efFort  and  endeavor,  and  you 
will  see  that  they  all  have  Ambition  strongly  developed. 
They  have  the  fierce  craving  of  Desire  for  things,  and 
the  firm  Will  which  will  brook  no  interference  with 
the  satisfaction  of  the  Desire.  Study  the  lives  of 
Caesar,  Napoleon,  and  their  modern  counterparts,  the 
Twentieth  Century  Captains  of  Industry,  and  you  will 
see  the  glare  of  this  fierce  Ambition  burning  brightly 
and  hotly  within  them. 

The  trouble  with  the  majority  of  the  people  is  that 
they  have  been  taught  that  one  should  take  what  was 
given  him  and  be  content.  But  this  is  not  Nature's 
way.  Nature  implants  in  each  living  being  a  strong 
desire  for  that  which  is  necessary  for  its  well-being 
and  nourishment,  and  a  strong  rvill  to  gratify  that 
natural  desire.  On  all  sides  in  Nature,  you  may  see 
this  law  in  effect.  The  plant  and  the  animal  obey 
it,  and  are  not  afraid.  But  Man,  as  he  ascended  the 
scale  of  evolution,  while  seeing  the  necessity  and  ad- 
vantage of  curbing  and  restraining  certain  tendencies 
and  desires,  which  if  freely  gratified,  would  work  harm 
on  himself  and  upon  society,  has  swung  to  the  other 
extreme.  In  cutting  off  the  dead  branches  of  Desire, 
he  has  lopped  off  some  live  ones  at  the  same  time — 
thai   is,   the   majority   of   men   have— the   few   who 


PAGE  47 

THE  LAW  OF  FINANCIAL  SUCCESS 

haven't  reach  out  and  gather  to  themselves  the  good 
things  of  life,  throwing  the  '*cores**  and  leavings  to 
the  rest. 

There  is  no  earthly  reason  why  a  man  should  not 
earnestly  desire  the  good  things  of  life — no  reason 
why  he  should  not  stimulate  that  fierce  hunger  for  at- 
tainment by  painting  mental  pictures  of  what  he  needs 
— by  looking  upon  the  good  things  in  the  world  in  the 
possession  of  others,  so  that  he  can  see  what  he  wants. 
"But  does  this  not  arouse  covetousness?"  you  may  ask. 
Not  at  all — you  are  not  coveting  the  things  the  others 
have,  but  are  merely  desiring  other  things  like  them. 
You  are  willing  that  these  other  people  should  retain 
their  things,  hut  are  demanding  similar  good  things 
for  yourself.  This  is  not  covetousness,  but  laudable 
Ambition. 

And  laudable  Ambition  is  all  right.  There  is 
enough  of  the  good  things  of  life  in  this  world  for  all 
of  us,  if  we  demand  them,  and  reach  out  for  them. 
Demand  causes  supply,  in  and  under  the  LAW,  so 
be  not  afraid.  Arouse  your  Ambition — it  is  a  good 
thing  and  not  something  of  which  to  be  ashamed. 
Urge  it  on — feed  it — stimulate  its  growth.  It  is  not 
a  foul  weed,  but  a  strong,  vigorous,  healthy  plant  in 
the  garden  of  life,  bearing  more  fruit  than  any  other 
growing  thing  there. 

Do  not  let  the  argument  that  men  have  used  Ambi- 
tion to  accomplish  evil  ends  disconcert  you.  Every 
natural  law  is  capable  of  being  used  for  good  or  evil. 
Because  any  law  has  been  used  for  evil,  it  is  no  reason 
why  those  who  desire  to  do  good  should  avoid  it,  and 
refrain  from  using  it  for  right  purposes.     To  do  so 


PAGE  48 

AMBITION 


would  be  like  the  Angels  of  Light  running  away  and 
leaving  the  powers  of  darkness  in  possession  of  all  the 
good  things  of  the  world.  The  best  way  is  to  grasp 
the  weapon  and  turn  it  against  the  enemy. 

The  LAW  is  there  awaiting  man's  use.  If  you 
prefer  to  leave  it  for  the  evil  disposed  persons,  very 
well,  that  is  your  own  loss.  But  the  wise,  the  sane, 
the  strong  men  of  the  day  are  now  reaching  out  for 
the  use  of  the  LAW  and  are  accomplishing  great 
things  by  reason  of  it.  When  the  Many  use  the 
LAW,  the  Few  will  cease  to  be  the  sole  possessors 
of  the  good  things  of  life,  which  alas!  so  many  of 
them  have  misused.  When  the  secret  is  generally 
known,  the  evil  will  be  eradicated  and  good  will  su- 
persede it. 

Therefore,  be  not  afraid  to  stand  boldly  out,  cry- 
ing: **I  want  this,  and  I  am  going  to  have  it!  It  is 
my  rightful  heritage,  and  I  demand  it  of  the  LAW!" 
Be  ambitious  to  attain  Financial  Success  because  that 
is  the  goal  for  which  you  are  striving. 


PAGE  49 

THE  LAW  OF  FINANCIAL  SUCCESS 


CHAPTER  VII 
Desire 

^51 N  some  of  the  previous  chapters  I  have  spoken  of 
-^n  the  operation  of  Desire  and  Will  in  the  manifes- 
tation and  expression  of  personal  power  under  the 
LAW.  Now,  while  there  have  been  many  writers 
who  have  discoursed  ably  regarding  the  mighty  power 
of  the  Will,  there  have  been  but  few  who  have  given 
to  the  subject  of  Desire  the  attention  that  it  deserves, 
and  the  consideration  it  merits.  Many  persons  seem 
afraid  to  speak  of  Desire,  for  they  have  gotten  the 
term  and  idea  mixed  up  with  desires  of  an  unworthy 
and  detrimental  nature.  They  have  overlooked  the 
fact  that  Desire  must  underlie  all  human  action — must 
be  the  causing  power  back  of  and  underneath  Will 
itself. 

We  might  compare  Desire  with  the  fire  that  burns 
brightly  beneath  the  receptacle  containing  water,  which 
latter  represents  the  mind.  Unless  the  fire  of  Desire 
burns  brightly  and  imparts  its  heat  to  the  water,  or 
mind,  there  will  be  nothing  but  water.  But  let  the 
fire  manifest  its  ardent  energy  and  heat,  and  lo!  the 
water  is  converted  into  steam  which  turns  mighty 
wheels,  and  drives  powerful  machinery,  and  in  fact 
**makes  things  go."  We  are  apt  to  forget  the  causes 
that  have  operated  in  order  that  the  steam  be  pro- 
duced, in  our  wonder,  amazement  and  admiration  of 
the  power  and  effect  of  the  manifested  steam.  But, 
in  order  to  get  the  right  idea  of  the  matter  fixed  in  our 


DESIRE 

mind  we  must  take  into  consideration  the  water  of  the 
mind,  and  the  fire  of  Desire. 

The  mind  is  well  represented  by  water,  for  it  is  un- 
stable, changeable,  in  motion,  having  eddies,  storms, 
ripples  and  calms.  And  Desire  is  well  represented 
by  fire,  for  it  is  ardent,  hot,  strong  and  burning,  and 
when  manifested  properly  invariably  acts  upon  the 
water-mind  and  produces  the  will-steam  which  may  be 
turned  to  the  accomplishment  of  any  task,  and  the 
moving  of  the  material  necessary  for  our  plans.  By  all 
means  keep  the  fire  of  Desire  brightly  burning  under 
your  mental  boilers,  and  you  will  be  sure  to  manifest 
the  proper  amount  and  degree  of  the  steam  of  Will 
which  may  then  be  applied  to  the  accomplishing  of 
your  life  tasks. 

If  you  will  keep  the  figure  of  speech  before  your 
mind — this  idea  of  tlie  fire  of  desire,  the  water  of  the 
mind,  and  the  steam  of  will — you  will  find  it  easier 
to  put  into  operation  these  great  mental  forces,  and  to 
be  known  as  the  man  or  woman  of  the  **Strong  Will.'* 
But  if  you  allow  the  fires  of  Desire  to  burn  low,  or 
to  become  clogged  with  the  ashes  of  dead  and  gone 
things,  long  since  exhausted  and  useless,  you  will  find 
that  there  will  be  little  or  no  steam  of  will  produced, 
and  you  will  be  in  the  position  of  the  majority  of 
people  who  are  like  tea  kettles  simmering  over  a  faint 
fire,  and  accomplishing  nothing. 

Unless  you  want  a  thing  *'the  worst  way,**  and 
manifest  that  Desire  in  the  shape  of  a  strong  impelling 
force,  you  will  have  no  will  with  which  to  accomplish 
anything.  You  must  not  only  "want**  to  do  a  thing, 
or  to  possess  a  thing,  but  you  must  "want  to  hard.'* 


THE  LAW  OF  FINANCIAL  SUCCESS 

You  must  Ti)ant  it  as  the  hungr})  man  wants  breads 
as  the  smothering  man  rvants  air.  And  if  pou  will 
but  arouse  in  yourself  this  fierce^  ardent^  insatiate  De- 
sire^ })oui  will  set  into  operation  one  of  Nature  s  most 
potent  mental  forces. 

What  is  that  great  impelling  force  that  you  have 
felt  within  yourself  whenever  you  have  made  a  mighty 
effort  to  accomplish  something?  Is  it  not  that  surging, 
restless,  impelling  force  of  your  being  that  you  know 
as  Desire?  Did  you  do  the  thing  simply  because  you 
thought  it  best,  or  because  you  felt  within  yourself  a 
strong  feeling  that  you  WANTED  to  do  the  thing,, 
or  to  possess  the  thing,  in  the  strongest  possible  way? 
Did  you  not  feel  this  strong  force  of  Desire  rising 
within  you  and  impelling  you  to  deed,  and  action? 

Desire  is  the  great  moving  power  of  the  Mind — 
that  which  excites  into  action  the  will  and  powers  of 
the  individual.  It  is  at  the  bottom  of  all  action,  feel- 
ing, emotion  or  expression.  Before  we  reach  out  to 
do  a  thing,  or  to  possess  a  thing,  we  must  first  **want 
to,"  and  in  the  degree  that  that  "want-to"  is  felt,  so 
will  be  our  response  thereto.  Before  we  love,  hate, 
like  or  dislike,  there  must  be  a  Desire  of  some  kind. 
Before  we  can  arouse  ambition  there  must  be  a  strong 
Desire.  Before  we  can  manifest  energy,  there  must  be 
a  strong  impelling  Desire. 

Did  you  ever  stop  to  think  that  the  difference  be- 
tween the  strong  of  the  race,  and  the  weak,  is  largely 
a  matter  of  Desire?  The  degree  of  Desire  manifests 
in  the  different  degrees  of  strength  and  weakness.  The 
strong  men  of  the  race  are  filled  with  strong  desires 
to  do  this  thing,  or  to  possess  that.     They  are  filled 


PAGE  68 

DESIRE 

I— MB^^i— ■^^■■■■■■■■■■immWIIW Ill ■  II  ■■IHIHimiMli—llBPWIIIIIIIIIIIIHIMHIIIIIIIIWIM 

with  that  strong  creative  Desire  that  makes  them  want 
to  build  up,  create,  modify,  change,  and  shift  around. 
It  is  not  alone  the  fruits  of  their  labor  that  urge  them 
on,  but  that  insistent  urge  of  the  creative  Desire  that 
drives  them  on. 

Do  not  be  afraid  to  allow  your  Desire  for  Finan- 
cial Success  to  burn  brightly.  Keep  the  ashes  of  past 
failures,  disappointments,  and  discouragements  well 
cleared  away  so  that  you  may  have  a  good  draught. 
Keep  the  fire  of  Desire  burning  brightly,  ardently  and 
constantly.  Do  not  be  sidetracked  by  outside  things, 
for  remember,  concentrated  Desire  is  that  which  pro- 
duces the  greatest  steam  producing  power.  Keep  your 
mind  fixed  on  that  which  you  want,  and  keep  on  de- 
manding that  v/hich  belongs  to  you,  for  it  is  your  own. 
The  Universal  Supply  is  adequate  for  all  needs  of 
everyone,  but  it  responds  only  to  the  insistent  demand 
and  the  earnest  Desire.  Learn  to  Desire  things  in 
earnest,  and  rest  not  content  with  a  mere  wanting  and 
wishing. 

Desire  creates  Mental  Attitude — develops  Faith — 
nourishes  Ambition — unfolds  Latent  Powers — and 
tends  directly  and  surely  toward  Success.  Let  the 
strong,  dominant  desire  for  Financial  Independence 
possess  you  from  the  tips  of  your  toes  to  the  roots  of 
your  hair, — feel  it  surging  through  every  part  of  your 
body — and  then  don*t  stop  until  you  reach  your  goal. 


THE  LAW  OF  FINANCIAL  SUCCESS 


CHAPTER  VIII 
Will  Power 

"(?^  WELL  for  him  whose  Will  is  strong  I/' 
^^  writes  Tennyson,  and  the  poets  of  all  nations 
and  times  have  sung  the  same  song.  Tennyson  well 
voices  this  human  regard  and  admiration  for  the  power 
of  the  Will.  He  tells  us  again:  "O  living  Will,  thou 
shalt  endure,  when  all  that  seems  shall  suffer  shock." 

The  Will  of  man  is  a  strange,  subtle,  intangible, 
and  yet  very  real  thing  that  is  closely  connected  with 
the  inmost  essence  of  his  "I."  When  the  "I"  acts,  it 
acts  through  the  Will.  The  Will  is  the  immediate 
expression  of  the  Ego,  or  **!'*  in  Man,  which  rests  at 
the  very  seat  of  his  being.  This  Ego,  or  *'!"  within 
each  of  us — that  inmost  self  of  each  one  of  us — 
expresses  itself  in  two  ways.  It  first  asserts  *'I  Am,** 
by  which  it  expresses  its  existence  and  reality;  then  it 
asserts  *'I  Will,**  by  which  it  expresses  its  desire  to 
act,  and  its  determination  to  do  so.  The  **I  Will'* 
comes  right  from  the  center  of  your  being,  and  is  the 
strongest  expression  of  the  Great  Life  Force  within 
you.  And  in  the  degree  that  you  cultivate  and  express 
it,  is  the  degree  of  positivity  that  you  manifest.  The 
person  of  weak  Will  is  a  negative,  cringing,  weakling, 
while  he  of  strong  Will  is  the  positive,  courageous, 
masterful  individual  in  whom  Nature  delights  and 
whom  she  rewards. 

The  human  Will  is  an  actual  living  force.  It  is 
just  as  much  an  active  force  of  Nature,  as  is  Elec- 


PAGE  U „„^ 

WILL  POWER 


tricity.  Magnetism,  or  any  other  form  of  natural  force. 
Will  is  as  real  an  Energy  as  is  gravitation.  From 
atom  to  man,  desire  and  Will  are  in  evidence — first 
comes  the  desire  to  do  a  thing,  and  then  comes  the 
Will  that  does  it.  It  is  an  invariable  law  pervading 
all  natural  forms,  shapes,  degrees  of  things — animate 
and  inanimate. 

Nothing  is  impossible  to  the  man  who  can  Will — 
providing  he  can  Will  sufficiently  strong.  And  as 
Will  depends  so  very  much  upon  one's  belief  in  his 
ability,  it  may  be  said  that  all  action  depends  upon 
belief.  One  does  not  Will  unless  he  believes  that  he 
has  a  Will.  And  many  a  man  of  inherent  strong  Will 
does  not  express  it  or  exert  it,  simply  because  he  does 
not  realize  that  he  possesses  it.  It  is  only  when  the 
necessity  arises  from  some  new  unexpected  demand 
for  the  exercise  of  the  Will,  that  many  men  realize 
that  they  really  possess  such  a  Will.  To  many,  alas, 
such  a  necessity  never  comes. 

In  speaking  about  the  Will,  I  do  not  mean  stub- 
bornness. You  will  find  plenty  of  people  who  are  as 
stubborn  as  mules  and  their  friends  and  neighbors  will 
say  that  "they  are  strong-willed,**  meaning  by  this 
that  when  they  decide  a  thing  '*is  so,  it*s  so,  and  you 
can*t  make  me  believe  it  isn't."  This  is  the  mulish 
attitude  of  mind  coming  from  prejudice  or  ignorance 
and  has  nothing  to  do  with  the  Will.  The  man  with 
the  strong  Will  knows  when  to  recede  from  his  posi- 
tion as  well  as  when  to  go  forward;  he  never  stands 
still.  When  the  occasion  warrants  it,  he  steps  back, 
but  only  for  the  purpose  of  getting  a  better  start,  for 
he  always  has  a   definite  goal  in  view.      When   the 


THE  LAW  OF  FINANCIAL  SUCCESS 

command  from  within  calls  him  to  go  forward,  he 
drives  right  ahead  like  the  mighty  ocean  steamer, 
majestic  in  his  power  and  stopping  for  nothing.  This 
frame  of  mind  is  best  illustrated  by  the  following 
quotation  written  of  Howard  the  philanthropist: 

"The  energy  of  his  determination  was  so  great, 
that  if  instead  of  being  habitual,  it  had  been  shown 
only  for  a  short  time  on  particular  occasions,  it  would 
have  appeared  a  vehement  impetuosity;  but,  by  being 
unintermitted,  it  had  an  equability  of  manner  which 
scarcely  appeared  to  exceed  the  tone  of  a  calm  con- 
stancy, it  was  so  totally  the  reverse  of  anything  like 
turbulence  or  agitation.  It  was  the  calmness  of  an 
intensity,  kept  uniform  by  the  nature  of  the  human 
mind  forbidding  it  to  be  more,  and  by  the  character 
of  the  individual  forbidding  it  to  be  less.'* 

The  subject  of  the  development  of  the  Will  is  too 
large  for  a  single  chapter  of  any  book.  It  is  the 
study  of  a  lifetime.  Several  fine  books  have  been 
written  covering  the  subject  fairly  well,  but  the  best 
so  far,  are  two  recent  books  by  Haddock,  "Power  of 
Will"  and  "Power  for  Success"  which  contain  the 
essence  of  about  everything  ever  written  on  the  subject 
that  is  of  value  to  one  who  desires  development  along 
these  lines.     Buy  and  study  these  books  by  all  means. 

The  writer  believes  that  the  basis  of  all  personal 
power  resides  in  the  Will  and  that  if  one  intends  to 
accomplish  anything  in  this  world  he  must  acquire  a 
powerful  Will.  The  best  way  to  do  this  is  to  first 
recognize  your  lack,  and  then  by  constant  affirmations 
of  'T  can  and  I  will  accomplish  this  thing,"  and  by 
the  repetition  of  selections  on  the  Will,  taken  from 


WILL  POWER 


the  best  literature,  build  up  within  yourself,  little  by 
little,  an  invincible  power  and  energy  that  will  over- 
come every  temptation  to  side-track  you  from  your 
life  purpose.  At  the  end  of  this  chapter  I  have  ap- 
,pended  some  excellent  selections  and  others  you  will 
find  scattered  throughout  the  book.  These  selections 
can  be  memorized  and  then  repeated  in  times  of  trial 
and  discouragement  and  they  will  prove  invigorating 
tonic  for  the  depressed  mind. 

The  proper  attitude  of  the  student  of  the  Law  of 
Financial  Success  is  that  mental  attitude  which  may 
best  be  expressed  as  the  "I  CAN  AND  I  WILL" 
state  of  mind.  In  this  mental  attitude  there  are  com- 
bined the  two  primary  elements  of  the  accomplishment 
of  things.  First  there  comes  that  belief  in  one's  ability, 
powers,  and  force,  which  begets  confidence,  and  which 
causes  one  to  make  a  clear  mental  channel  over  which 
the  Will  flows.  Then,  second,  comes  the  assertion 
of  the  Will  itself— the  yi  WILL"  part  of  it.  When 
a  man  says  "I  WILL"  with  all  the  force  and  energy 
and  determination  of  his  character  being  poured  into 
it,  then  does  his  Will  become  a  very  Dynamic  Force 
which  sweeps  away  obstacles  before  it  in  its  mighty 
onrush. 

Not  only  does  this  expression  of  the  Will  stir  into 
activity  the  latent  powers  and  dormant  energies  of  the 
man's  mind,  bringing  to  the  accomplishment  of  the 
task  all  his  reserve  force,  power  and  strength,  but  it 
does  much  more.  It  impresses  those  around  him  with 
a  mighty  psychical  power  which  tends  to  beat  down 
their  opposing  wills,  and  leads  them  captive.  In  all 
conflicts  between  men,  the  strongest  Will  wins  the  day. 


PAGE  57 

^^1^1^— — — I— ^^iiBiiMM^MMi^— i^iaiiiiiwiB  iiimmiiim—iiwi^— —■■■■! 

THE  LAW  OF  FINANCIAL  SUCCESS 

The  struggle  may  be  short,  or  it  may  be  long,  but 
the  end  is  the  same  always — the  man  of  the  strongest 
Will  wins. 

And  not  only  does  the  awakened  Will  do  this,  but 
it  also  acts  in  the  direction  of  affecting  tliose  at  a  dis- 
tance from  the  person.  It  sets  into  motion  certain 
natural  laws  which  tend  to  compel  things  toward  the 
center  occupied  by  a  mighty  Will.  Look  around  you, 
and  you  will  see  that  the  men  of  giant  Wills  set  up  a 
strong  center  of  influence,  which  extends  on  all  sides 
in  all  directions,  affecting  this  one  and  that  one,  and 
drawing  and  compelling  others  to  fall  in  with  the 
movements  instigated  by  that  Will.  There  are  men 
who  set  up  great  whirlpools  or  whirlwinds  of  Will, 
which  are  felt  by  persons  far  and  near.  And,  in  fact 
all  persons  who  exert  Will  at  all,  do  this  to  a  greater 
or  lesser  extent,  depending  upon  the  degree  of  Will 
expressed. 

Read,  study,  and  absorb  the  following  selections: 

*'The  education  of  the  Will  is  the  object  of  our 
existence.'*  *    *    * 

"TTiey  can  who  think  they  can.  Character  is  a 
perfectly   educated  Will." 

*    *    * 

"Nothing  can  resist  the  Will  of  a  man  who  knows 
what  is  true  and  wills  what  is  good." 


*'To  will  evil  is  to  will  death.     A  perverse  Will 
is  the  beginning  of  suicide.** 


WILL  POWER 


*'In  all  difficulties  advance  and  Will,  for  within 
you  is  a  Power,  a  living  Force  which,  the  more  you 
trust  and  learn  to  use,  will  annihilate  the  opposition 
of  matter."  ^    ^    ^ 

**The  star  of  the  unconquered  Will, 

He  rises  in  my  breast. 
Serene  and  resolute  and  still. 

And  calm  and  self-possessed.** 


**So  nigh  is  grandeur  to  our  dust. 

So  near  is  God  to  man. 
When  Duty  whispers  low,  'Thou  must!' 

The  youth  replies,  *I  can.*  ** 


**I  will  to  will  with  energy  and  decision!  I  will 
to  persist  in  willing!  I  will  to  will  intelligently  and  for 
a  goal!  I  will  to  exercise  the  will  in  accordance  witli 
the  dictates  of  reason  and  of  morals.'* 


*'The  human  will,  that  force  unseen. 
The  offspring  of  a  deathless  soul. 

Can  hew  a  way  to  any  goal. 

Though  walls  of  granite  intervene. 


**You  will  be  what  you  will  to  be. 
Let  failure  find  its  false  content 

In  that  poor  word  environment. 
But  spirit  scorns  it  and  is  free. 


THE  LAW  OF  FINANCIAL  SUCCESS 

**It  masters  time,  it  conquers  space. 

It  cows  that  boastful  trickster,  chance, 
And  bids  the  tyrant  circumstance 

Uncrown  and  fill  a  servant's  place.** 


"There  is  no  chance,  no  destiny,  no  fate. 

Can  circumvent,  or  hinder,  or  control 
The  firm  resolve  of  a  determined  soul. 

Gifts  count  for  nothing,  will  alone  is  great; 
All  things  give  way  before  it  soon  or  late. 

What  obstacle  can  stay  the  mighty  force 
Of  the  sea-seeking  river  in  its  course. 

Or  cause  the  ascending  orb  of  day  to  wait? 
Each  well-born  soul  must  win  what  it  deserves. 

Let  the  fools  prate  of  luck.     The  fortunate 
Is  he  whose  earnest  purpose  never  swerves. 

Whose    slightest    action,    or   inaction 
Serves  the  one  great  aim.     Why,  even  Death  itself 

Stands  still  and  waits  an  hour  sometimes 
For  such  a  will,'* 


auto-suggestion 


CHAPTER   IX 
Auto-Suggestion 

|OU  will  have  noticed  that  in  the  preceding  chap- 
ters I  have  begun  a  serious  campaign  in  the  direc- 
tion of  having  you  "make  yourself  over"  mentally,  in 
order  to  bring  you  under  the  operation  of  the  Law  of 
Financial  Success.  You  will  remember  that  first  I  tried 
to  get  you  to  regard  Money  in  a  new  light — as  a 
natural  supply  akin  to  the  nourishment  of  the  plant, 
and  coming  under  the  same  general  law  of  Natural 
Supply  and  Demand. 

Second — I  urged  upon  you  to  build  up  the  proper 
Mental  Attitude,  showing  you  how  by  so  doing  you 
would  cultivate  in  yourself  the  faculties,  qualities  and 
powers  conducive  to  success;  the  qualities  likely  to  at- 
tract and  influence  people  with  whom  you  come  in  ccn- 
tact;  and  the  mental  state  which  would  set  into  opera- 
tion the  beneficent  phases  of  the  Law  of  Attraction. 

Third — I  proceeded  to  get  Fear  and  Worry  out 
of  your  mental  system. 

Fourth — I  went  on  to  cultivate  the  quality  of  Faith 
in  you. 

Fifth — came  the  consideration  of  the  Latent  Pow- 
ers and  the  rules  for  their  unfoldment. 

Sixth — came  the  explanation  of  the  nature  of  Am- 
bition, and  the  urge  to  cultivate  and  develop  it. 

Seventh — came  the  explanation  of  the  wonderful 
effect  and  office  of  Desire,  and  the  advice  to  cultivate 
Desire  as  a  means  of  cultivating  Will. 


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THE  LAW  OF  FINANCIAL  SUCCESS 

Eighth — I  gave  you  instruction  for  the  development 
of  a  powerful  Will,  the  acquirement  of  v^hich  means 
so  much   to   you. 

Now,  if  you  will  stop  a  moment,  you  will  see  thai 
the  practical  application  of  the  instruction  given  and 
the  precepts  laid  down  for  your  guidance  require  a 
certain  "making  over"  of  yourself,  on  your  part. 

This  being  so  the  question  arises:  **How  may  I 
best  accomplish  the  'making-over'  process?"  And  to 
answer  this  question,  I  shall  now  devote  several  chap- 
ters, for  in  the  answering  lies  much  of  the  essence  of 
this  instruction  that  I  am  desirous  of  imparting  to  you. 
And  so  this  is  the  reason  that  we  now  take  up  the 
subject  of  "Auto-Suggestion,"  a  subject  of  the  greatest 
importance  to  you,  and  which  has  engaged  the  minds 
of  scientific  men  for  the  past  few  years.  Let  us 
hasten  to  a  consideration  of  the  subject. 

In  the  first  place  the  term  "Suggestion,"  as  used 
by  psychologists  means  "an  impression  made  upon  the 
mind  of  another."  And  an  "auto-suggestion"  is  an  im- 
pression made  upon  one*s  own  mind  in  a  manner  similar 
to  that  used  in  impressing  the  mind  of  another.  You 
will  see  this  a  little  clearer  in  a  moment.  The  whole 
essence  of  Suggestion  lies  in  the  idea  of  '* impression.'* 
Think  of  the  mind  as  a  wax  substance,  and  the  Sug- 
gestion as  a  die  making  an  impression  on  the  wax, 
and  there  you  have  it. 

If  you  can  manage  to  get  in  a  strong  Suggestion  on 
the  mind  of  a  person,  you  really  impress  your  notion 
or  idea  upon  his  mental  wax,  so  to  speak.  Suggestion 
is  not  a  matter  of  argumentative  effort,  but  a  process 
of  saying  a  thing  so  positively,  earnestly  and  convinc- 


AUTO-SUGGESTION 


Ingly  that  the  other  person  takes  up  the  idea  Tvithout 
argument.  We  may  be  impressed  by  a  man's  earnest- 
ness, his  manner,  his  attitude,  his  dress,  and  in  many 
other  ways,  but  the  principle  is  the  same — if  we  are 
impressed  by  something  about  him,  we  have  taken  the 
Suggestion.     Do  you  see  what  I  mean? 

Well,  one  may  turn  this  Suggestive  die  upon  the 
wax  of  his  own  mind  and  by  repeated  impressions  may 
fix  certain  ideas,  qualities,  and  characteristics  upon  it 
so  that  he  will  have  really  made  himself  over  to  that 
extent.  It  is  a  case  of  '*sez  I  to  myself,  sez  T' — 
often  repeated  until  "I"  believes  what  "I  sez."  You 
know  how  a  man  may  get  to  actually  believe  some  old 
lie  that  he  has  been  telling  for  some  time.  A  man  may 
act  out  a  certain  assumed  character,  until  he  actually 
becomes  like  the  character.  There  are  plenty  of  old 
chaps  strutting  around  to-day  with  these  assumed 
characters,  which  not  only  fool  the  people  with  whom 
they  come  in  contact,  but  also  actually  fool  the  men 
themselves.  Now  if  this  be  true  about  things  of  this 
kind,  how  important  does  the  principle  become  when 
applied  to  the  creation  of  new  characteristics  and 
qualities  in  oneself  that  are  conducive  to  success.  You 
all  know  just  about  what  you  need,  and  now  here  is 
the  way  to  go  about  getting  them. 

To  many  people  Auto-Suggestion  means  simply  the 
repeating  of  certain  words  to  themselves,  like  **I  am 
Energetic — I  am  Ambitious**  etc.,  etc.  Now  this 
plan  is  all  very  well,  for  a  constant  impression  of  this 
kind  will  undoubtedly  tend  to  develop  the  suggested 
qualities  in  one.  But  there  is  a  far  more  scientific 
plan  known  to  psychologists,  and  that  is  the  one  I  am 


THE  LAW  OF  FINANCIAL  SUCCESS 

going  to  urge  upon  your  consideration.  It  is  that  not 
only  should  one  "say"  things  to  himself,  but  that  he 
should  also  create  Mental  Images  of  the  desired  thing, 
and  should  also  act  out  the  part  he  wishes  to  play, 
in  a  sort  of  extended  preliminary  rehearsal. 

All  this  may  seem  odd  to  you  unless  you  have 
studied  the  psychological  principles  underlying  it, 
which  I  have  not  time  to  go  into  here.  The  thing 
to  remember  is  that  constant  thinking  of  a  desired 
quality  of  mind,  accompanied  with  the  indulgence  in 
the  Mental  Picture  of  yourself  as  actually  possessed 
of  the  quality  itself;  and  also  accompanied  by  an 
"acting  out*'  of  the  part  you  would  like  to  play  will 
in  due  time  so  impress  and  mould  your  mind  that  you 
will  actually  possess  the  quality  itself.  Here  is  a 
great  psychological  law  I  have  expressed.  Read  it 
again,  study  it,  and  make  it  your  own. 

For  instance,  let  us  suppose  that  you  lack  Ambition. 
Well,  the  first  thing  is  to  rouse  the  Desire  to  become 
Ambitious.  TTien  start  in  the  plan  of  "sez  I  to  myself, 
sez  I,"  and  make  constant  affirmation  of  the  fact  that: 
*'I  am  Ambitious — verp  Ambitious — my  Ambition 
gron^s  every  day,*'  and  so  on.  Then  picture  yourself 
in  your  imagination  as  being  Ambitious — see  yourself 
as  moving  around  in  the  world  possessed  of  an  in- 
satiable Ambition  which  is  leading  you  to  strenuous 
action  and  wonderful  accomplishments.  Then  begin 
to  act  out  the  part  of  the  Ambitious  man — study  some 
Ambitious  man  until  you  catch  his  feelings  and  then 
begin  to  look  Ambitious;  talk  in  the  tones  of  a  man 
possessing  Ambition;  walk  like  an  Ambitious  man — 
in  short  act  out  the  part  to  the  smallest  details.     Now 


PAGE  64 ____„__„____«_„^ 

AUTO-SUGGESTION 

remember  I  do  not  mean  to  copy  the  mannerisms  of 
the  man  you  have  taken  for  your  model — this  is  not 
the  thing  at  all.  Simply  study  him  until  you  can  get 
his  feelings — until  you  can  recognize  the  Ambitious 
emotion  and  Mental  Attitude  animating  him,  and  then 
go  to  work  to  feel  the  same  inward  feeling  yourself, 
and  to  act  out  the  feeling.  If  you  can  once  get  the 
feeling,  then  all  you've  got  to  do  is  to  act  it  out  right. 
You  will  find  that  this  plan  of  mental  discipline  and 
exercise  may  be  used  for  the  acquirement  of  any  and 
every  one  of  the  positive  qualities  you  may  desire  to 
acquire  and  possess.  This  is  no  mere  theory,  but  is 
a  scientific  fact  known  to  and  taught  by  some  of  the 
leading  authorities  on  the  subject  in  the  world.  It 
has  been  the  basis  of  the  making  over  of  thousands  of 
people,  some  oF  whom  have  paid  enormous  fees  to 
teachers  for  just  this  plain  advice,  elaborated  and 
padded  out  into  long  series  of  personal  lectures  and 
lessons.  I  offer  you  something  here  that  is  well 
"worth  while."    Now  it  is  for  you  to  take  it  and  use  it. 


^th 


THE  LAW  OF  FINANCIAL  SUCCESS 

CHAPTER   X 
Harmony 

LL  through  Nature,  and  Nature's  manifestations, 


lere  exists  rhythm  and  Harmony.  Everything  in 
the  Universe  is  in  unceasing  action.  There  is  a  univer- 
sal vibratory  movement  apparent  everywhere.  From  the 
atoms,  and  the  particles  composing  the  atoms,  up 
through  all  the  material  combinations  and  groupings 
there  is  constant,  incessant  vibration  and  motion.  And 
from  this  constant  motion,  and  running  through  its 
entire  manifestation,  there  is  apparent  a  constant  and 
invariable  law  of  rhythm.  Just  as  there  is  a  rhythm 
apparent  in  all  that  we  call  music,  so  is  there  a  rhythm 
in  the  music  of  Nature.  And  from  that  rhythm  pro- 
ceeds that  which  we  call  Harmony. 

The  planets  as  they  swing  in  regular  orbits  around 
the  sun — yes,  the  suns  as  they  swing  around  still 
greater  suns — and  so  on  until  the  mind  fails  to  grasp 
the  wonder  of  it  all — all  manifest  rhythm.  The  sea 
in  its  manifestation  of  the  rise  and  fall  of  the  tides, 
exhibits  rhythm.  The  heart  of  man  breathes  in  rhyth- 
mic measure.  In  the  great  waves  of  light  traveling 
to  us  from  the  sun  and  stars,  millions  upon  millions 
of  miles  away,  there  exists  a  rhythmic  measure  reg- 
istered upon  the  delicate  instruments  of  science. 

You  have  heard  of  the  wonderful  force  latent  in  the 
rhythmic  measure  of  music.  You  have  read  of  in- 
stances in  which  mighty  bridges  have  been  shattered 
by  the  note   of  the  violin  constantly  sounded  in  an 


HARMONY 


uninterrupted  rhythm.  It  seems  almost  incredible,  but 
it  is  true  that  the  soft  note  of  a  tiny  violin,  constantly 
sounded  in  regular  rhythm  can  become  powerful 
enough  to  make  the  bridge  first  tremble,  and  then  shud- 
der, and  then  sway  to  and  fro  until  it  finally  collapses. 
Science  teaches  us  that  even  the  mighty  steel  sky- 
scrapers of  our  great  cities  could  be  brought  to  the 
ground  in  a  mass  of  twisted  steel  rods,  if  one  were 
but  to  ascertain  the  keynote  of  the  entire  building,  and 
then  manage  to  start  into  motion  the  vibrations  of  a 
strong  musical  instrument,  constantly  sounding  that 
one  keynote,  over  and  over  again,  for  hour  after  hour, 
until  the  great  giant  structure  would  * 'catch  the  mo- 
tion'* and  begin  to  tremble. 

*'To  catch  the  motion,*'  that  is  it.  If  we  could  but 
**catch  the  motion"  of  Nature's  great  rhythmic  har- 
mony we  could  accomplish  anything.  And  this  is  not 
such  a  wild  dream  as  might  be  supposed  at  first 
glance.  There  is  a  great  rhythmic  harmony  inherent 
in  the  mind  of  man.  Just  as  the  bridge  has  its  key- 
note, so  has  the  mind  of  each  man,  and  the  great  mind 
of  the  race  of  men.  And  if  we  will  but  withdraw 
ourselves  from  the  incidents  and  distractions  of  the 
outer  life  and  retire  for  a  moment  or  so  within  the 
inner  regions  of  ourselves,  we  may  catch  the  faint  echo 
of  that  great  Universal  Harmony  of  the  mind,  sound- 
ing clear  and  well  defined.  If  we  can  do  this,  we 
have  but  to  take  up  the  mental  keynote  and  sound 
it  until  we  make  our  influence  felt. 

Men  of  the  busy  world — the  "practical"  men  of 
our  day — are  beginning  to  realize  this  fact,  and  we 
hear  strange  stories  of  such  men  closing  their  private 


PAGE  67 

THE  LAW  OF  FINANCIAL  SUCCESS 

office  doors  for  a  few  moments  during  the  day,  and 
communing  with  themselves,  withdrawing  their  atten- 
tion from  the  distracting  thoughts  and  scenes  of  the 
outside  world.  This  is  no  mere  transcendental  idea, 
but  a  fact  that  many  shrewd  business  men  of  the  day 
are  turning  to  good  account. 

Remember,  that  *'in  quietness  there  is  strength.*' 
Every  person  who  is  ambitious  and  has  a  definite 
object  in  life,  should  take  a  few  minutes  off  each  day, 
and  sit  alone,  giving  himself  a  chance  to  think,  medi- 
tate, and  allow  the  great  rhythmic  harmony  of  Nature 
to  flow  through  his  cleared  mind,  and  thus  gain  re- 
newed strength  and  energy.  It  is  in  these  quiet  mo- 
ments, when  the  outer  mind  is  relaxed  and  resting,  that 
the  inner  mind  flashes  to  us  that  which  is  best  for 
us  to  do.  We  should  cultivate  this  habit  in  moments 
of  meditation,  when  we  may  escape  from  the  people 
and  crowd,  and  thus  be  able  to  listen  to  the  voice  that 
sounds  from  within.  By  doing  this  we  place  ourselves 
in  harmony  with  the  great  Universal  Power  from 
which  all  original  ideas  spring  into  our  mental  organ- 
ism ready  for  use  a  few  moments  later  when  we  re- 
emerge  into  the  world  of  action  and  of  men. 

Here  are  a  few  directions  for  entering  into  harmony 
with  the  Universal  Rhythm  of  Nature:  First,  your 
mental  attitude  must  be  right.  You  must  have  gained 
control  of  your  thoughts  and  words,  so  that  your  mind 
is  open  and  receptive  to  the  great  good  of  the  world. 
There  must  be  no  hate  there,  no  discouragement,  no 
pessimism,  no  negative,  cringing,  worm-of-the-dust  or 
poverty  thought — your  frame  of  mind  must  be  that 
of  good-will,  encouragement,  optimism,  with  positive 


HARMONY 


thoughts  expectant  of  wealth,  prosperity,  and  all  the 
good  things  that  man,  heir  of  the  universe,  is  entitled 
to  by  right  of  his  sonship.  This  latter  mental  attitude 
will  surround  you  with  a  personal  thought  atmosphere 
which  repels  from  you  the  negative  or  evil  things  and 
attracts  to  you  the  positive  or  good  things  of  life. 

When  you  are  satisfied  that  your  personal  atmos- 
phere is  right,  then  each  day,  preferably  between 
twelve  and  one  o'clock,  or  if  that  time  is  not  con- 
venient, early  in  the  morning  just  after  your  bath, 
close  the  doors  of  your  room,  shutting  out  everybody 
and  everything  for  a  few  moments.  Take  precautions 
that  you  shall  not  be  disturbed,  and  then  put  away 
from  your  mind  the  fear  of  interruption  and  dis- 
turbance. Take  a  position  of  restful  and  peaceful 
calm.  Relax  every  muscle,  and  take  the  tension  off 
of  every  nerve.  Take  a  few  deep  restful  breaths, 
which  will  seem  like  great  sighs,  and  will  tend  to 
relax  your  body  and  mind.  Then  detach  your  thoughts 
from  the  outer  world,  and  things,  and  turn  the  mind 
inward  upon  yourself.  Shut  out  all  the  material  cares, 
worries  and  problems  of  the  day  and  sink  into  a  mental 
state  of  peaceful  calm.  Think  *7  open  mpself  to  the 
inflon}  of  the  Universal  Rhythmic  Harmon]),**  and 
you  will  soon  begin  to  feel  a  sense  of  relationship  with 
that  Harmony  coming  into  you,  filling  your  mind 
and  body  with  a  feeling  of  rest  and  peace,  and  latent 
power.  Then  shortly  after  will  come  to  you  a  sense 
of  new  strength  and  energy,  and  a  desire  to  once  more 
emerge  upon  the  scene  of  your  duties.  This  is  the 
time  for  you  to  close  the  meditation.  Do  not  seek 
to  prolong   it,   but  go   forth  with   your  new  energy. 


PAGE  69 

THE  LAW  OF  FINANCIAL  SUCCESS 

filled  with  the  vibrations  of  the  Universal,  and  you 
will  see  how  refreshed  and  vigorous  you  are,  and  how 
your  mind  leaps  eagerly  and  enthusiastically  to  the 
tasks  before  it. 

Oh  yes!  all  this  does  belong  to  the  subject  of  Fi- 
nancial Success  as  you  will  find  out  if  you  will  prac- 
tice a  little  and  discover  the  secret  of  the  silence  as 
given  above.  If  you  doubt  it  and  smile  with  a  quizzi- 
CcJ,  know-it-all  smile  then  you  are  the  one  who  needs 
it  most.  Just  remember  that  this  is  not  written  by  some 
wild  theorist  soaring  in  the  clouds  of  hazy  metaphysics, 
but  by  a  business  man — part  of  it  during  business 
hours  amidst  the  cares,  duties,  and  exactions  of  a 
strenuous  business  life — who  has  appHed  these  prin- 
ciples and  knows  whereof  he  speaks. 

I  shall  now  tell  you  a  secret  known  only  to  a  few. 
From  this  time  on  it  is  yours.  See  that  you  use  it. 
Here  it  is:  A  few  moments  spent  with  your  inner  self 
and  the  Great  Universal  Power  each  day,  as  de- 
scribed above,  if  practiced  assiduously,  will  establish 
within  you  the  Creative  Mind — that  wonderful  thing 
which  marks  the  difference  between  the  Italian  ditch 
digger,  who  plods  along  from  day  to  day  with  never 
a  new  idea  for  his  own  or  humanity's  betterment, 
and  the  man  *'at  the  top'*  who  "does  things";  the 
constructive  man  who  builds  railroads,  steamships, 
large  mercantile  establishments,  and  who  furnishes 
funds  to  carry  the  great  work  of  the  world  along. 
Both  of  these  men  are  needed,  but  it  feels  better  to 
be  near  the  top.  The  more  you  practice,  the  more 
you  will  open  up  that  great  subconscious  reservoir  of 
yours  which  is  overflowing  with  original  ideas.      In 


HARMONY 


time  you  will  gain  the  power  to  get  in  touch  with 
your  inner  self  and  tap  that  reservoir  wherever  you 
may  be — in  the  street  car — out  for  a  walk — while 
you  are  shaving — and  there  will  flash  through  to  your 
conscious  mind,  in  vivid  outlines,  ideas  that  when 
worked  out  will  mean  for  you  Money  and  Financial 
Independence. 


THE  LAW  OF  FINANCIAL  SUCCESS 


CHAPTER    XI 
Creation 

(qtHEj  title  of  this  chapter  may  appear  strange  to  some 
^'^  of  those  who  find  it  in  a  book  entitled  "The  Law 
of  Financial  Success,"  and  such  people  may  wonder 
what  in  the  world  "Creation"  has  to  do  with  the 
subject  of  Financial  Success.  I  ask  such  persons  to 
wait  patiently  until  the  chapter  is  finished,  and  I 
promise  to  do  my  best  to  convince  these  doubters 
that  Creation  has  verp  much  to  do  with  the  attain- 
ment of  Financial  Success,  and  that,  in  fact,  there 
can  be  little  or  no  Financial  Success  without  the 
operation  of  the  creative  energy  of  the  mind. 

Did  you  ever  stop  to  think  that  in  the  case  of  some 
of  the  mighty  bridges  spanning  the  rivers  surrounding 
New  York  City,  each  span,  each  strand  of  steel,  each 
support,  each  bit  of  construction — and  the  whole 
bridge  in  its  entirety — existed  and  was  created  in  the 
mind  of  the  designer  before  it  was  manifested  or 
materialized  ? 

Did  you  ever  think  that  the  great  buildings  which 
rear  their  imposing  forms  and  shapes  along  our  business 
streets  were  created  in  the  minds  of  their  architects, 
and  actually  existed  in  their  minds  before  the  build- 
ings could  be  erected? 

Did  you  ever  think  that  the  delicate  mechanism  of 
the  watch  you  are  carrying  in  your  pocket  existed  in 
the  mind  of  its  designer  long  before  the  material  watch 
was  evolved  from  the  parts?     The  watch  would  not 


CREATION 


be,  and  could  not  be,  unless  the  designer  had  seen 
it  all  in  his  mind's  eye,  down  to  the  smallest  detail, 
before  he  materialized  it. 

The  above  statements  are  more  or  less  common- 
place, but  the  majority  of  people  overlook  these  im- 
portant facts  in  the  contemplation  of  material  things. 
They  ignore  the  fact  that  anything  and  everything 
that  has  ever  been  created  in  material  form  must  of 
necessity  have  been  created  in  mental  form  previously. 
There  is  no  exception  to  this  rule.  Every  thing  that 
is  materialized  must  have  existed  previously  in  the 
mind  of  the  person  creating  it.  The  house,  the  bridge, 
the  watch,  the  suit  of  clothes,  the  hat,  the  pen-knife. 
the  shoes,  the  buttons  on  the  clothes — everything  that 
you  can  see,  or  think  of,  that  has  been  madct  has 
first  been  created  mentally,  in  its  every  part  and  as  a 
whole. 

When  we  materialize  a  thing  by  creating  or  build- 
ing it,  we  simply  build  the  material  around  the  mental 
picture  of  the  thing  that  we  have  first  created.  The 
primal  building  is  in  the  mind.  And  this  is  true  of 
Financial  Success  just  as  it  is  true  of  everything  else. 
Some  build  little  by  little,  seeing  only  just  a  little  in 
advance  of  their  building,  and  thus  do  their  mental 
creation  by  piece-meal.  Others  see  the  whole  thing 
in  general  outlines,  and  then  fill  in  the  details  as  they 
go  along.     The  principle  is  the  same  in  both  cases. 

It  is  told  of  Thomas  Lawson,  of  Boston — he  of 
"Frenzied  Finance"  fame — that  when  he  was  a  youth 
he  painted  a  mental  picture  of  a  large  estate  on  which 
there  was  the  finest  breed  of  horses,  and  the  choicest 
cattle  in  the  world;  a  beautiful  home  furnished  and 


THE  LAW  OF  FINANCIAL  SUCCESS 

filled  with  objects  of  artistic  value ;  and  everything  else 
necessary  for  the  completion  of  his  conception  of  an 
ideal  home.  He  has  said  that  his  successive  steps  to- 
ward the  acquirement  of  that  home — the  gaining  of 
the  wealth  necessary  for  its  purchase,  was  like  the 
filling  in  of  the  details  of  the  picture,  the  image  of 
which  never  faded  av/ay  from  his  mind. 

And  so  it  is  with  Financial  Success.  You  must 
form  a  mental  picture  of  what  you  want,  and  then 
bend  every  effort  to  fill  in  the  picture.  Every  person 
should  have  a  purpose  in  life.  To  win  anything  one 
should  have  a  definite  goal  for  which  to  strive.  We 
should  have  a  picture  in  our  mind  of  what  we  want 
to  own  or  attain.  If  we  want  money,  we  should 
create  a  mental  picture  of  money — see  ourselves  using 
it,  handling  it,  spending  it,  acquiring  more,  and  in 
short  going  through  all  the  motions  of  the  man  of 
money.  One  should  paint  a  great  mental  picture  of 
wealth,  and  then  start  to  work  to  fill  in  the  picture, 
and  to  materialize  it. 

What  do  you  suppose  would  happen  if  the  architect 
of  the  bridge,  or  building,  or  the  designer  of  the  watch 
should  fail  to  see  in  his  mind  that  which  he  was  about 
to  create?  Can  you  not  see  that  there  would  be  no 
building  worth  while,  and  that  the  result  of  the  at- 
tempt to  build  watch,  bridge,  or  skyscraper  in  this 
way  would  result  in  a  mere  throwing  together  of  ma- 
terial, without  regard  to  beauty,  stability  or  proper 
use? 

And  so  it  is  with  the  majority  of  people — they 
sit  down  and  say  **Oh,  I  want  money — I  want 
money,"  and  that  is  all  there  is  to  it.     They  do  not 


CREATION 


use  their  imaginations  sufficiently  to  mentally  create 
mone^t  and  then  proceed  to  materialize  it.  They  are 
like  a  man  who  would  sit  down  crying  out:  "Oh,  I 
want  a  wood-pile,  high  and  big  with  good  wood.'* 
The  man  who  gets  the  wood-pile,  glances  around  the 
place  where  he  wants  the  pile,  and  then  he  forms  a 
mental  picture  of  how  that  wood-pile  will  look  when 
completed — just  about  how  high  and  broad  it  should 
be,  and  then  he  starts  to  work  to  fill  in  the  picture 
with  the  wood,  working  away  sawing  and  piling  until 
at  last  his  picture  is  materialized. 

Oh,  I  tell  you  friends,  you  must  first  ^nolP  just  Tvhat 
pou  want,  before  you  will  be  able  to  materialize  it. 
Unless  you  k^ow  what  ^ou  Tvant,  you  will  never  get 
anything.  The  great  successful  men  of  the  world  have 
used  their  imaginations,  instead  of  despising  them. 
They  thinly  ahead  and  create  their  mental  picture,  and 
then  go  to  work  materializing  that  picture  in  all  its 
details,  filling  in  here,  adding  a  little  there,  altering 
this  a  bit  and  that  a  bit,  but  steadily  building — 
steadily  building. 

If  you  would  attain  Financial  Success,  you  must 
become  a  mental  creator  and  designer  of  that  which 
you  long  for  as  well  as  a  material  builder.  The  two 
go  hand  in  hand  and  work  for  Financial  Success. 


THE  LAW  OF  FINANCIAL  SUCCESS 


CHAPTER   XII 
Concentration 

eVERY  person  who  reads  this  chapter  has  heard  the 
word  "Concentration"  used  frequently;  has  seen 
it  in  print  often;  and  has  used  it  repeatedly  in  con- 
versation. But  how  few  really  know  just  what  it 
means — or  are  able  to  form  a  mental  picture  of  Con- 
centration. Let  us  consider  the  term  a  moment,  for 
until  you  are  able  to  form  a  clear  mental  picture  of 
it,  you  will  not  be  able  to  apply  it  advantageously. 

What  is  "Concentration"?  Well,  the  dictionaries 
tell  us  that  the  word  means  the  act  or  process  of 
bringing  or  directing  things  toward  a  common  center, 
and  thereby  condensing  and  intensifying  the  force  of 
the  thing.  And  that  is  the  key-note  of  the  word — 
that  is  the  mental  picture  of  it — this  bringing  forces  to 
a  common  center. 

One  can  best  form  a  mental  picture  of  the  idea 
expressed  in  the  word  by  thinking  of  a  sun-glass  which 
so  concentrates  the  rays  of  the  sun  to  a  focus,  or 
common  center,  that  their  powers  are  intensified  upon 
the  spot  so  that  they  easily  burn  a  hole  through  any- 
thing placed  on  the  spot. 

We  can  never  expect  to  win  out  in  anything  unless 
we  firmly  concentrate  our  minds  upon  the  thing  we 
seek.  We  have  got  to  make  our  mental  picture  of 
what  we  want,  and  then  start  in  to  desire  it  as  hard 
as  we  are  able  to,  and  by  so  doing  we  will  concen- 
trate our   attention   and   will   upon   that   thing   until 


PAGE  76 _„_™__«..,„^.™_„_«««____.__^_-^^^^^ 

CONCENTRATION  

"something  happens.**  We  must  learn  to  concentrate 
our  powers  and  will  upon  the  desired  object,  just  as 
the  sun-glass  concentrates  the  rays  of  the  sun  upon 
the  common  focus.  We  must  learn  to  focus  our  ener- 
gies upon  the  thing  we  want,  and  then  to  keep  the 
focus  steady  from  day  to  day,  never  allowing  our- 
selves to  be  side-tracked  or  swerved  from  our  main 
object  of  desire,  interest  and  will. 

The  majority  of  people  have  little  or  no  concen- 
tration, and  they  resemble  the  puppy-dog  whose  atten- 
tion is  attracted  by  first  this  thing  and  then  another, 
and  who  runs  from  this  thing  to  that,  to  and  fro,  not 
knowing  what  he  wants  long  enough  to  get  it,  but 
continually  wasting  his  energy  in  chasing  things  that 
have  attracted  the  attention  of  the  moment. 

One  should  begin  by  practicing  concentration  on 
little  things,  until  he  masters  them,  and  then  he  may 
move  on  to  the  consideration  and  contemplation  of 
larger  things.  It  is  quite  an  art  to  be  able  to  do  one 
thing  at  a  time,  to  the  exclusion  of  distracting  thoughts 
and  objects.  The  best  workmen  along  any  line  of 
human  effort  are  those  who  are  able  to  concentrate 
on  their  work,  and  practically  lose  themselves  in  their 
tasks  for  the  time  being. 

The  first  step  in  acquiring  Concentration  begins,  of 
course,  in  the  control  of  the  attention.  Master  the 
attention  and  you  have  acquired  the  art  of  Concen- 
tration. By  holding  your  attention  upon  a  thing,  you 
direct  to  it  your  mental  forces,  and  new  ideas,  plans 
and  combinations  spring  into  your  mind  and  fly  to  a 
common  center.  Besides  this  you  put  into  operation 
the  Law  of  Attraction  and  direct  its  forces  to  that 


THE  LAW  OF  FINANCIAL  SUCCESS 

same  common  center.  Without  concentrated  attention 
you  scatter  and  dissipate  your  mental  forces  and  ac- 
complish nothing  at  all. 

I  urge  upon  all  who  read  this  book  the  importance 
of  beginning  to  cultivate  concentration.  Begin  by 
acquiring  the  habit  of  attending  to  one  thing  at  a  time, 
concentrating  the  attention  upon  it,  and  then  com- 
pleting it  and  passing  on  to  another  thing.  Avoid 
the  baneful  practice  of  thinking  of  one  thing  while 
doing  another.  Think  of  and  work  upon  the  thing 
before  you,  and  hold  your  attention  there  until  it  is 
completed.  The  thinking  and  action  should  pull  to- 
gether, instead  of  in  opposite  directions. 

An  eminent  authority  tells  us  that:  *'It  is  a  matter 
of  no  small  importance  that  we  acquire  the  habit  of 
doing  only  one  thing  at  a  time,  by  which  I  mean  that 
while  attending  to  any  one  object,  our  thoughts  ought 
not  to  wander  to  another."  Another  authority  adds: 
**A  frequent  cause  of  failure  in  the  faculty  of  atten- 
tion, is  striving  to  think  of  more  than  one  thing  at  a 
time.*'  Another  says:  "She  did  things  easily  because 
she  attended  to  them  in  the  doing.  When  she  made 
bread,  she  thought  of  bread,  and  not  of  the  fashion 
of  her  next  dress,  or  of  her  partner  at  the  last  dance.'* 
The  celebrated  Lord  Chesterfield  said:  **There  is 
time  enough  for  everything  in  the  course  of  a  day, 
if  you  do  but  one  thing  at  a  time;  but  there  is  not 
time  enough  in  a  year  if  you  try  to  do  two  things  at 
a  time." 

If  there  is  any  secret  of  concentration,  it  is  con- 
tained in  the  following  sentence:  You  can  concentrate 
on  anything  ^ou  are  intensely  interested  in,  or  dearly 


CONCENTRATION 


love.  For  instance,  if  you  are  a  young  man  engaged 
to  a  beautiful  young  lady,  the  ideal  woman  to  make 
your  life  complete,  you  have  no  trouble  in  thinking 
about  her  and  how  happy  you  will  be  after  the  knot 
is  tied.  In  fact,  most  of  your  time — when  you  are 
not  thinking  of  your  work — is  given  over  to  thoughts 
of  that  girU  and  your  future  together.  Sometimes 
even  her  face  pops  up  before  you  and  you  think  of 
her  when  you  should  be  devoting  your  time  and 
thought  to  the  work  you  are  paid  for.  If  you  are  the 
proud  father  of  a  new  baby  girl  or  boy  you  have  no 
trouble  in  thinking  about  that  dear  little  bit  of  hu- 
manity. If  you  are  a  mother  whose  son  is  forging  to 
the  front  in  business  or  one  of  the  professions,  your 
thought  goes  as  naturally  to  that  boy  as  a  duck  takes 
to  water.  And  so  we  might  go  down  the  whole  gamut 
of  humanity  and  find  some  one  thing  which  each 
person  is  interested  in  or  loves^  and  we  would  soon 
see  that  it  is  not  a  hard  task  for  a  person  to  think 
about  or  concentrate  on  that  which  is  most  dear  to 
him  or  her. 

Just  at  the  present  time  the  thing  closest  to  your 
heart,  next,  of  course,  to  that  which  you  actually  love, 
is  or  should  be  Financial  Independence.  For  with 
money  at  your  disposal  you  can  give  that  girl  every- 
thing she  needs  to  make  her  happy;  you  can  insure 
that  child's  future  and  make  sure  that  it  has  the  edu- 
cation which  it  deserves;  you  can  establish  that  boy 
in  business  and  give  him  a  chance  to  express  his  full 
ability;  you  can  complete  those  plans  you  have  had 
in  mind  so  long  and  you  can  do  many  things  which 
are  now  impossible. 


THE  LAW  OF  FINANCIAL  SUCCESS 

It  certainly  ought  not  to  be  hard  for  you  to  con- 
centrate on  Financial  Independence  when  it  means 
so  much  to  you,  ought  it?  Well,  go  to  work  now, 
and  when  your  mind  is  not  occupied  with  your  regular 
duties,  when  your  thought  is  roaming  around  here 
and  there  accomplishing  nothing,  when  you  find  your- 
self thinking  of  something  foolish  or  vicious,  exert  your 
will,  draw  back  your  thought,  use  your  imagination 
to  picture  an  ideal  of  what  Financial  Independence 
will  mean  to  you,  and  then  concentrate  your  whole 
thought  on  that  ideal  to  bring  it  into  materialization. 
Now  is  the  time  to  begin,  friend;  do  not  leave  it 
until  lo-morow. 


PERSISTENCE 

CHAPTER   XIII 
Persistence 

^N  the  last  chapter  we  considered  the  subject  of 
-^^n  "Concentration,"  and  I  tried  to  show  you  what 
an  important  part  it  played  in  the  workings  of  the 
Law  of  Financial  Success.  But,  if  you  concentrate 
on  one  thing  this  minute,  and  another  thing  the  next 
moment,  and  so  on,  flitting  from  one  flower  to  another 
hke  the  butterfly,  you  will  accomplish  very  little. 
What  is  needed  is  a  steady,  determined,  persistent 
application  to  the  one  object  upon  which  you  have 
set  your  mind.  Having  found  the  object  of  your 
desire  and  knowing  how  to  concentrate  upon  it,  you 
should  then  learn  how  to  be  Persistent  in  your  con- 
centration, aim,  and  purpose. 

There  is  nothing  like  sticking  to  a  thing.  Many 
men  are  brilliant,  resourceful,  and  industrious,  but  they 
fail  to  reach  the  goal  by  reason  of  their  lack  of 
**stick-to-it-iveness.**  One  should  acquire  the  tenacity 
of  the  bulldog,  and  refuse  to  be  shaken  off  of  a  thing 
once  he  has  fixed  his  attention  and  desire  upon  it. 
You  remember  the  old  Western  hunter  who  when 
once  he  had  gazed  upon  an  animal  and  said  *'You*re 
my  meat,**  would  never  leave  the  trail  or  pursuit  of 
that  animal  if  he  had  to  track  it  for  weeks,  losing  his 
meat  in  the  meantime.  Such  a  man  would  in  time 
acquire  such  a  faculty  of  Persistence  that  the  animals 
would  feel  like  Davy  Crockett's  coon  who  cried  out, 
*'Don*t  shoot,  mister,  1*11  come  down  without  it.'* 


PAGE  81 

THE  LAW  OF  FINANCIAL  SUCCESS 

You  know  the  dogged  persistence  inherent  in  some 
men  that  strikes  us  as  an  irresistible  force  when  we 
meet  them  and  come  into  conflict  with  their  persist- 
ent determination.  We  are  apt  to  call  this  the  *'Will,'* 
but  it  is  our  old  friend  Persistence — that  faculty  of 
holding  the  Will  firmly  up  against  objects,  just  as  the 
workman  holds  the  chisel  against  the  object  on  the 
wheel,  never  taking  off  the  pressure  of  the  tool  until 
the  desired  result  is  obtained. 

No  matter  how  strong  a  Will  a  man  may  have,  if 
he  has  not  learned  the  art  of  persistent  application 
of  it  he  fails  to  obtain  the  best  results.  One  must 
learn  to  acquire  that  constant,  unvarying,  unrelenting 
application  to  the  object  of  his  Desire  that  will  en- 
able him  to  hold  his  Will  firmly  against  the  object 
until  it  is  shaped  according  to  his  wishes.  Not  only 
to-day  and  to-morrow,  but  every  day  until  the  end. 

Buxton  has  said:  "The  longer  I  live,  the  more 
certain  I  am  that  the  great  difference  between  men,  be- 
tween the  feeble  and  the  powerful,  the  great  and  the 
insignificant,  is  Energy — Invincible  Determination — a 
purpose  once  fixed,  and  then  Death  or  Victory.  That 
quality  will  do  anything  that  can  be  done  in  this 
world — and  no  talents,  no  circumstances,  no  oppor- 
tunities, will  make  a  two-legged  creature  a  man  with- 
out it.'* 

Donald  G.  Mitchell  said:  ''Resolve  is  what 
makes  a  man  manifest;  not  puny  resolve;  not  crude 
determinations;  not  errant  purpose — but  that  strong 
and  indefatigable  Will  which  treads  down  difficul- 
ties and  danger,  as  a  boy  treads  down  the  heaving 
frost-lands  of  winter,  which  kindles  his  eye  and  brain 


PERSISTENCE 

with  a  proud  pulse-beat  toward  the  unattainable. 
Will  makes  men  giants.'* 

Disraeli  said:  "I  have  brought  myself  by  long 
meditation  to  the  conviction  that  a  human  being  with 
a  settled  purpose  must  accomplish  it,  and  that  noth- 
ing can  resist  a  Will  which  will  stake  even  existence 
upon  its  fulfillment." 

Sir  John  Simpson  said:  **A  passionate  desire, 
and  an  unwearied  Will  can  perform  impossibilities,  or 
what  may  seem  to  be  such  to  the  cold  and  feeble.** 

And  John  Foster  adds  his  testimony,  when  he 
says:  *'It  is  wonderful  how  even  the  casualties 
of  life  seem  to  bow  to  a  spirit  that  will  not  bow  to 
them,  and  yield  to  subserve  a  design  which  they  may, 
in  their  first  apparent  tendency,  threaten  to  frustrate. 
When  a  firm  decisive  spirit  is  recognized,  it  is  curious 
to  see  how  the  space  clears  around  a  man  and  leaves 
him  room  and  freedom.** 

Abraham  Lincoln  said  of  General  Grant:  "The 
great  thing  about  him  is  cool  persistency  of  purpose. 
He  is  not  easily  excited,  and  he  has  got  the  grip  of  a 
bull  dog.  When  he  once  gets  his  teeth  in,  nothing 
can  shake  him  off.** 

Now,  you  may  object  that  the  above  quotations 
relate  to  the  Will,  rather  than  to  Persistence.  But 
if  you  stop  to  consider  a  moment  you  will  see  that 
they  relate  to  the  PERSISTENT  Will,  and  that  die 
Will  without  Persistence  could  accomplish  none  of 
these  things  claimed  for  it.  The  Will  is  the  hard 
chisel,  but  Persistence  is  the  mechanism  that  holds 
the  chisel  in  its  place,  firmly  pressing  it  up  against 
the  object  to  be  shaped,  and  keeping  it  from  slipping 


THE  LAW  OF  FINANCIAL  SUCCESS 

or  relaxing  its  pressure.  You  cannot  closely  read  the 
above  quotations  from  these  great  authorities  \vithout 
feeling  a  tightness  of  your  lips,  and  a  setting  of  your 
jaw,  the  outward  marks  of  the  Persistent  Dogged 
Will. 

If  you  lack  Persistence,  you  should  begin  to  train 
yourself  in  the  direction  of  acquiring  the  habit  of 
sticking  to  things.  This  practice  will  establish  a  new 
habit  of  the  mind,  and  will  also  tend  to  cause  the 
appropriate  brain-cells  to  develop  and  thus  give  to 
you  as  a  permanent  characteristic  the  desired  quality 
that  you  are  seeking  to  develop.  Fix  your  mind  upon 
your  daily  tasks,  studies,  occupation  or  hobbies,  and 
hold  you  attention  firmly  upon  them  by  Concentra- 
tion, until  you  find  yourself  getting  into  the  habit  of 
resisting  *'side-tracking'*  or  distracting  influences.  It 
is  all  a  matter  of  practice  and  habit.  Carry  in  your 
mind  the  idea  of  the  chisel  held  firmly  against  the 
object  it  is  shaping,  as  given  in  this  chapter — it  will 
help  you  very  much.  And  read  this  chapter  over  and 
over  again,  every  day  or  so,  until  your  mind  will 
take  up  the  idea  and  make  it  its  own.  By  so  doing 
you  will  tend  to  arouse  the  desire  for  Persistence  and 
the  rest  will  follow  naturally,  as  the  fruit  follows  the 
budding,  and  flowering  of  the  tree. 


HABIT 


CHAPTER    XIV 

Habit 

J^ABIT  is  a  force  which  is  generally  recognized 
"^^  by  the  average  thinking  person,  but  which  is 
commonly  viewed  in  its  adverse  aspect  to  the  ex- 
clusion of  its  favorable  phase.  It  has  been  well  said 
that  all  men  are  *'The  creatures  of  habit,"  and  that 
*'Habit  is  a  cable;  we  weave  a  thread  of  it  each  day, 
and  it  becomes  so  strong  that  we  cannot  break  it." 
But  the  above  quotations  only  serve  to  emphasize 
that  side  of  the  question  in  which  men  are  shown  as 
the  slaves  of  habit,  suffering  from  its  confining  bonds. 
There  is  another  side  to  the  question,  and  that  side 
shall  be  considered  in  this  chapter. 

If  it  be  true  that  Habit  becomes  a  cruel  tyrant 
ruling  and  compelling  men  against  their  will,  desire, 
and  inclination — and  this  is  true  in  many  cases,  the 
question  naturally  arises  in  the  thinking  mind  whether 
this  mighty  force  cannot  be  harnessed  and  controlled 
in  the  service  of  man,  just  as  have  other  forces  of 
Nature.  If  this  result  can  be  accomplished,  then  man 
may  master  Habit  and  set  it  to  work,  instead  of  being 
a  slave  to  it  and  serving  it  faithfully  though  complain- 
ingly.  And  the  modern  psychologists  tell  us  in  no 
uncertain  tones  that  Habit  may  certainly  be  thus 
mastered,  harnessed  and  set  to  work,  instead  of  being 
allowed  to  dominate  one's  actions  and  character. 
And  thousands  of  people  have  applied  this  new  knowl- 
edge and  have  turned  the  force  of  Habit  into  new 


FAQE  85 

THE  LAW  OF  FINANCIAL  SUCCESS 

channels,  and  have  compelled  it  to  work  their  ma- 
chinery of  action,  instead  of  being  allowed  to  run 
to  waste,  or  else  permitted  to  sweep  away  the  struc- 
tures that  men  have  erected  with  care  and  expense, 
or  to  destroy  fertile  mental  fields. 

A  habit  is  a  "mental  path"  over  which  our  ac- 
tions have  traveled  for  some  time,  each  passing  mak- 
ing the  path  a  little  deeper  and  a  little  wider.  If 
you  have  to  walk  over  a  field  or  through  a  forest, 
you  know  how  natural  it  is  for  you  to  choose  the 
clearest  path  in  preference  to  the  less  worn  ones,  and 
greatly  in  preference  to  stepping  out  across  the  field 
or  through  the  woods  and  making  a  new  path.  And 
the  line  of  mental  action  is  precisely  the  same.  It  is 
movement  along  the  lines  of  the  least  resistance — 
passage  over  the  well-worn  path.  Habits  c.re  created 
by  repetition  and  are  formed  in  accordance  to  a  nat- 
ural law,  observable  in  all  animate  things  and  some 
would  say  in  inanimate  things  as  well.  As  an  in- 
stance of  the  latter,  it  is  pointed  out  that  a  piece  of 
paper  once  folded  in  a  certain  manner  will  fold  along 
the  same  lines  the  next  time.  And  all  users  of  sew- 
ing machines,  or  other  delicate  pieces  of  mechanism, 
know  that  as  a  machine  or  instrument  is  once  "broken 
in**  so  will  it  tend  to  run  thereafter.  The  same  law 
is  also  observable  in  the  case  of  musical  instruments. 
Clothing,  or  gloves  form  into  creases  according  to 
the  person  using  them,  and  these  creases  once  formed 
v^ll  always  be  in  effect,  notwithstanding  repeated 
pressings.  Rivers  and  streams  of  water  cut  their 
courses  through  the  land,  and  thereafter  flow  along 
the  habit-course.  The  law  is  in  operation  every- 
where. 


PAGE  86 

HABIT 


The  above  illustrations  will  help  you  to  fonii  the 
idea  of  the  nature  of  habit,  and  will  aid  you  in  form- 
ing new  mental  paths — new  mental  creases.  And, 
remember  this  always — the  best  (and  one  might  say 
the  only)  way  in  which  old  habits  may  be  removed 
is  to  form  new  habits  to  counteract  and  replace  the 
old  undesirable  ones.  Form  new  mental  paths  over 
which  to  travel,  and  the  old  ones  will  soon  become 
less  distinct  and  in  time  will  practically  fill  up  from 
disuse.  Every  time  you  travel  over  the  path  of  the 
desirable  mental  habit,  you  make  the  path  deeper  and 
wider,  and  make  it  so  much  easier  to  travel  it  there- 
after. This  mental  path-making  is  a  very  important 
thing,  and  I  cannot  urge  upon  you  too  strongly  the 
injunction  to  start  to  work  making  the  desirable  men- 
tal paths  over  which  you  wish  to  travel.  Practice, 
practice,  practice — be  a  good  path-maker. 

The  following  rules  will  help  you  in  your  work 
in  forming  new  habits: 

1.  At  the  beginning  of  the  formation  of  a  new 
habit,  put  force  into  your  expression  of  the  action, 
thought,  or  characteristic.  Remember  that  you  are 
taking  the  first  steps  toward  making  the  new  mental 
path,  and  it  is  much  harder  at  the  first  than  it  will 
be  afterwards.  Make  the  path  as  clear  and  deep  as 
you  can,  at  the  start,  so  that  you  can  see  it  readily  the 
next  time  you  wish  to  travel  it. 

2.  Keep  your  attention  firmly  concentrated  on 
the  new  path  building,  and  keep  your  eyes  and 
thoughts  away  from  the  old  paths,  lest  you  incline 
toward  them.  Forget  all  about  the  old  paths,  and 
concern  yourself  only  with  the  new  one  that  you 
are  building. 


THE  LAW  OF  FINANCIAL  SUCCESS 

3.  Travel  over  your  newly  made  path  as  often 
as  possible.  Make  opportunities  for  doing  so,  without 
waiting  for  them  to  arise.  The  oftener  you  go  over 
the  new  path,  the  sooner  will  it  become  an  old,  well- 
worn,  easily  traveled  one.  Think  out  plans  for 
passing  over  it  and  using  it,  at  the  start. 

4.  Resist  the  temptation  to  travel  over  the  older, 
easier  paths  that  you  have  been  using  in  the  past. 
Every  time  you  resist  a  temptation,  the  stronger  do 
you  become,  and  the  easier  will  it  be  for  you  to  do 
so  the  next  time.  But  every  time  you  yield  to  the 
temptation,  the  easier  does  it  become  to  yield  again, 
and  the  more  difficult  does  it  become  to  resist  the  next 
time.  You  will  have  a  fight  on  at  the  start,  and  this 
is  the  critical  time.  Prove  your  determination,  per- 
sistency, and  Will  power  now,  right  here  at  the 
start. 

5.  Be  sure  that  you  have  mapped  out  the  proper 
path — plan  it  out  well,  and  see  where  it  will  lead 
you  to — then  go  ahead  without  fear  and  without  al- 
lowing yourself  to  doubt.  "Place  your  hand  upon 
the  plow,  and  look  not  backward."  Your  goal  is 
Financial  Success — then  make  a  good,  deep,  wide 
mental  path  leading  straight  to  it. 


CLAIMING  YOUR  OWN 


CHAPTER   XV 
Claiming  Your  Own 

C^KHERE  has  grown  up  in  the  minds  of  many 
^^  people  the  delusion  that  there  is  some  real  merit 
in  taking  the  mental  position  that  desirable  things  are 
*'too  good  for  me,"  and  denying  that  they  have  any 
merit  whatsoever  in  them.  So  prevalent  has  become 
this  idea,  that  it  has  developed  a  race  of  hypocrites 
and  pharisees,  who  go  about  proclaiming  their  humble 
goodness,  and  their  meek  humility,  until  one  gets  tired 
of  hearing  their  talk — and  talk  is  all  there  is  to  it, 
for  these  same  people  slyly  manage  to  reach  out  for 
the  good  things  in  sight,  even  while  decrying  the 
value  of  the  aforesaid  good  things,  and  denying  their 
worthiness  to  receive  anything  at  all. 

I  take  quite  the  other  position.  I  believe  that  there 
is  nothing  too  good  for  the  men  and  women  who 
assert  their  right  to  live  and  to  partake  of  the  good 
things  of  earth.  I  am  reminded  of  the  French  soldier 
who  carried  a  dispatch  to  Napoleon,  and  whose 
horse  dropped  dead  from  fatigue  as  he  sprang  from 
it  and  handed  the  Emperor  the  dispatch  which  he 
had  carried  from  miles  away.  Napoleon  wrote  an 
answer,  and  dismounting  from  his  horse  handed  the 
bridle  to  the  soldier,  saying,  "Take  this  horse  and 
ride  back,  comrade.**  **Nay,**  cried  the  soldier  as 
he  gazed  at  the  blooded  horse  and  his  trappings, 
*'it  is  too  magnificent  and  grand  for  me,  a  common 
soldier.**      *'Take    it!**    cried    Napoleon,    ** there    is 


^ Page  89 

THE  LAW  OF  FINANCIAL  SUCCESS 

nothing  too  grand  and  magnificent  for  a  soldier  of 
France!'*  And  these  words,  rapidly  repeated 
through  the  ranks  and  columns  of  his  army,  gave  to 
his  tired  troops  a  new  and  fresh  inspiration  and  en- 
ergy. "Nothing  too  grand  and  magnificent  for  a 
soldier  of  France,**  they  said,  and  the  thought  that 
they  were  such  worthy  individuals  inspired  them  to 
the  almost  miraculous  deeds  that  followed. 

Napoleon  understood  human  nature,  and  the  laws 
of  psychology.  Tell  a  man  that  he  is  a  worm  of 
the  dust,  and  deserving  of  nothing  but  kicks  and  pun- 
ishment, and  if  he  believes  you  he  will  sink  to  the 
mental  level  of  the  worm  and  will  cringe  and  crawl 
and  eat  dirt.  But  let  him  know  that  he  has  within 
him  the  divine  spark,  and  that  there  is  nothing  too 
good  for  him;  nothing  that  he  has  not  a  right  to 
aspire  to;  no  heights  which  are  not  his  own  if  he  but 
climb  to  them — tell  him  these  things,  I  say,  and  he  will 
become  a  transfigured  creature,  ready  and  willing  to 
attempt  great  things,  and  do  mighty  deeds.  **As  a 
man  thinketh  in  his  heart,  so  is  he.'* 

And  that  is  why  I  am  trying  to  tell  you  that 
you  have  a  right  to  all  the  good  things  there  are — 
that  you  are  a  worthy  human  being  and  not  a  crawl- 
ing thing  of  the  dust.  That  is  why  I  tell  you  to  raise 
up  your  head  and  look  the  world  in  the  eyes,  affirming 
your  relationship  with  the  Divine  Cause  that  brought 
you  into  being,  and  asserting  your  right  to  partake  of 
your  heritage  from  that  Power. 

Does  not  all  Nature  seem  to  come  to  the  aid  and 
assistance  of  the  strong  individuals  who  assert  their 
right  to  live,  and  prosper?     Does  not  Nature  seem 


CLAIMING  YOUR  OWN 


to  try  in  every  way  to  build  up  strong,  confident,  self- 
reliant,  self-respecting  individuals?  Does  it  not  seem 
to  reserve  the  prizes  of  life  for  the  strong  hand  that 
has  courage  to  reach  out  and  take  them,  instead  of 
to  those  cringing,  shrinking  personalities  that  cower 
and  shiver  back  in  the  corner,  afraid  to  call  their 
souls  their  own.  There  is  nothing  in  Nature  that 
gives  any  encouragement  whatsoever  to  this  false 
teaching  of  mock  humility,  and  self-debasement  of 
which  we  hear  so  much.  The  very  persons  who  hold 
up  this  weak,  negative  ideal  to  their  followers,  are 
not  especially  noted  for  their  meekness  or  humility — 
they  are  apt  to  be  arrogant,  selfish  and  grasping  all 
the  good  things  in  sight,  even  while  decrying  and  de- 
nying them.  They  are  all  words,  words,  words,  with 
their  cant  phrases  and  negative  admonitions.  Away 
with  such  destructive  and  hurtful  teachings.  Make 
way  for  the  new  teaching  that  the  good  things  of  earth 
have  been  placed  here  for  man*s  use,  and  for  his  de- 
velopment and  happiness.  There  is  nothing  too  good 
for  Men  or  Women,  for  they  are  the  rightful  inheritors 
and  heirs  of  their  Divine  Causer. 

Does  not  Nature  seem  to  strive  to  produce  strong 
plants,  strong  animals,  strong  individuals?  Does  she 
not  seem  to  delight  in  producing  an  individual,  in  either 
of  the  great  kingdoms  of  life,  who  has  the  desire,  en- 
ergy, ambition  and  power  to  draw  to  itself  the  nour- 
ishment and  nutriment  which  will  enable  it  to  ex- 
press its  life  fully — which  will  enable  it  to  become  a 
proper,  efficient  and  worthy  channel  through  which 
may  flow  the  great  Stream  of  Life  that  has  its  source 
in  the  Divine  Cause  which  is   behind   and  back  of 


THE  LAW  OF  FINANCIAL  SUCCESS 

all  things?  Is  life  but  an  effort  to  produce  weak, 
miserable,  unhappy  beings — or  is  it  an  urge  that  seeks 
to  develop  strong,  happy,  noble  individual  forms? 
And  how  can  one  be  happy,  strong,  and  noble  if 
the  source  of  supply  is  denied  him?  What  would 
the  plant  become  if  its  nourishment  be  withdrawn? 

And  yet  in  spite  of  all  these  apparent  facts  of  Na- 
ture, there  are  those  who  would  have  us  refuse  the 
full  supply  which  the  Divine  Power  has  placed  at 
our  hand  and  bidden  us  partake  thereof.  These 
people  would  even  deny  the  supply.  Oh,  I  say  to 
you,  friends,  the  Power  that  called  us  into  being 
has  placed  in  this  world  of  ours  all  that  is  necessary 
to  our  well-being,  and  has  implanted  in  our  breasts  the 
natural  hunger  for  nourishment,  physical,  mental  and 
spiritual.  This  very  hunger  is  Nature's  promise  that 
there  exists  that  which  is  intended  to  satisfy  it.  And 
then,  what  folly  to  decry  the  hunger,  or  to  deny  the 
supply.  That  which  you  need  and  for  which  you 
are  hungry,  exists  for  you.  It  is  yours,  and  you 
are  not  robbing  others  when  you  seek  for  it  and 
draw  it  to  you. 

Claim  Your  Own,  friends,  Claim  Your  Own! 
Deny  it  not — decry  it  not — but  cry  aloud  *'It  is  Mine 
Own — I  Demand  It — I  attract  it  to  Me!"  Claim 
Your  Own! 


MAKING  MONEY 


CHAPTER  XVI 
Making  Money 

"The  possession  of  money  gives  confi' 
dence,  the  lack  of  it  self -consciousness, " 

aN  the  preceding  chapters  of  this  book  we  have  dis- 
cussed "  The  Law  of  Financial  Success,"  and  sug- 
gested methods  and  given  instruction  for  the  develop- 
ment of  the  various  positive  qualities  necessary  to  the 
one  who  desires  to  get  into  harmony  with  the  LAW. 

But  our  exposition  of  the  LAW  is  not  yet  complete. 
Like  everything  else  in  Nature,  it  has  two  sides:  for 
instance,  we  have  male  and  female,  heat  and  cold, 
light  and  darkness,  sunshine  and  rain,  and  one  is  just 
as  necessary  to  the  whole  as  is  the  other. 

We  have  said  very  little  as  to  the  handling  of 
money.  What  has  gone  before  was  extremely  practi- 
cal and  all  very  necessary,  because  we  must  "know'* 
before  we  "do" — we  must  "possess"  before  we 
"use."  If  you  have  read  carefully  and  studied  with 
a  purpose  that  which  has  preceded,  and  have  de- 
cided to  take  advantage  of  the  suggestions  given,  you 
are  now  ready  for  this  final  chapter,  "Making 
Money,"  toward  which  all  the  others  have  been  lead- 
ing you. 

A  person  might  possess  every  one  of  the  positive 
qualities,  but  if  he  were  in  the  back  woods  or  the 
Desert  of  Sahara,  where  there  is  no  money  in  circu- 
lation, he  never  could  become  financially  Independent, 


THE  LAW  OF  FINANCIAL  SUCCESS 

for  the  second  part  of  tlie  LAW  could  not  be 
brought  into  action.  And  again,  on  the  other  hand, 
a  person  might  be  left  a  mint  of  money  and  if  he  did 
not  know  how  to  take  care  of  it,  or  if  he  did  not 
possess  tlie  necessary  positive  qualities  by  means  of 
which  he  might  make  more  money,  he  would  lose  it 
all  in  a  few  years,  and  he,  himself  become  a  tramp 
of  the  worst  type.  This  is  not  an  uncommon  occur- 
rence, and  may  be  verified  at  any  shelter  house  or 
Salvation  Army  Barracks  in  our  larger  cities. 

An  illustration  from  real  life,  showing  how  the 
LAW  worked  in  one  instance  will  here  be  given. 
The  writer  is  acquainted  with  a  gentleman  of  middle 
age  now  occupying  an  enviable  position  in  financial 
circles,  and  who,  because  of  the  development  of  the 
positive  qualities,  will  before  he  dies  become  much 
more  prominent  and  leave  his  mark  on  the  world. 
This  man  was  born  "with  a  gold  spoon  in  his  mouth," 
and  all  during  his  youthful  days  had  everything  and 
anything  a  young  man  could  want,  as  well  as  many 
things  he  did  not  need.  In  time  reverses  came,  and 
these,  combined  with  extravagance,  swept  away  the 
fortune  that  had  been  bequeathed  to  him.  Here  was 
a  young  man  about  twenty  years  of  age  left  without 
a  dollar,  and  with  absolutely  no  training  in  the  direc- 
tion of  earning  a  living.  After  a  few  years  of  the 
hardest  kind  of  knocks,  he  made  his  way  to  the  far 
West.  There  he  obtained  an  inside  position  where 
he  worked  for  a  time,  until  it  began  to  tell  on  his 
health.  One  day  while  at  work  in  the  office,  and 
wondering  what  was  going  to  become  of  him,  a  great 
truth  dawned  on  his  mind.     It  was  this :     /  can  never 


PAGE  94 

MAKING  MONEY ^^ 

amount  to  anything  or  become  real  Tvealth^  lil^e  mi; 
father  b}}  merely  working  with  my  hands.  The  onl\f 
jva})  to  make  money  is  to  compel  money  to  work  for 
me. 

With  a  definite  object  in  view,  he  gave  up  his  in- 
side "position"  and  took  a  "job*'  on  the  railroad 
grade  as  a  teamster.  In  less  than  six  months,  by  de- 
priving himself  of  every  luxury,  he  had  accumulated 
enough  money  to  partly  pay  for  one  pair  of  mules. 
These  he  hired  out,  acting  himself  as  driver.  After 
awhile  he  bought  a  second  pair  on  credit,  giving  a 
mortgage  on  both  pairs  for  payment,  and  hired  a  man 
to  drive  the  second  pair.  When  that  pair  was  paid 
for  he  bought  two  more  pairs,  again  mortgaging  all 
he  had  to  pay  for  the  second  two  pairs.  When  they 
were  paid  for  he  bought  four  more  pairs,  and  then 
he  went  to  work,  not  as  a  hired  man,  but  as  a  con- 
tractor on  his  own  account  in  a  small  way,  and  thus 
made  money.  The  capital  invested  in  these  mules 
worked  for  him,  and  step  by  step  in  a  few  years  he 
was  in  a  position  of  affluence  and  power. 

This  man,  just  like  every  other  man,  had  the 
germs  of  the  positive  qualities  in  him.  All  they 
needed  was  developing.  This  development  was  ob- 
tained by  the  knocks  he  received,  both  before  and 
after  that  great  truth  dawned  upon  him. 

Let  me  again  express  that  truth  in  a  little  differ- 
ent language  so  that  it  may  be  impressed  upon  the 
mind  of  every  one  of  my  readers:  No  man  ever  be- 
came real  wealthy  workmg  with  his  hands  alone;  this 
applies  to  the  brain  worker  also.  The  only  way  to 
obtain  much  money  is  to  make  money  work  for  you. 


THE  LAW  OF  FINANCIAL  SUCCESS 

Jay  Gould,  the  noted  financier,  once  said:  **One 
hundred  dollars  invested  in  the  right  place  at  the 
right  time  will  earn  as  much  as  one  man  steadily 
employed."  This  is  a  great  truth  too,  in  financial 
matters,  that  we  must  let  sink  deeply  into  our  con- 
sciousness. 

But  the  question  right  now  with  many  is,  "How 
shall  we  acquire  the  first  one  hundred  dollars  so  as 
to  invest  it?"  And  the  only  answer  is,  by  saving  it. 
There  is  no  person,  who,  if  he  can  earn  wages,  but 
what  can  in  time,  by  sacrificing  some  luxury,  or  by 
rigid  economy,  lay  aside  one,  two  or  three  hundred 
dollars.  And  the  best  way  to  do  this  is  by  putting 
in  some  good  savings  bank  a  stated  sum  each  week, 
no  matter  how  small  that  sum  may  be.  One  of  the 
best  aids  to  this  is  the  metal  bank  in  which  you  can 
drop  your  odd  change,  and  which  are  loaned  to 
their  customers  by  up-to-date  savings  institutions.  If 
you  keep  this  up  long  enough,  you  are  bound  to  ac- 
quire your  first  hundred  dollars.  By  doing  this  you 
have  acquired  at  the  same  time  two  valuable  habits 
— economy  and  patience. 

It  is  now  necessary  to  place  or  invest  this  money, 
and  more  to  be  obtained  in  like  manner,  where  it  will 
bring  back  to  you  the  largest  possible  returns  and  yet 
be  perfectly  safe.  And  the  question  comes  to  one  at 
this  point,  "Shall  I  go  into  business  for  myself,  as 
the  young  man  did,  or  shall  I  work  for  another  and 
invest  my  savings  and  watch  them  grow?" 

That  depends.  If  you  have  developed  the  qualities 
of  courage,  initiative,  self-confidence  and  grit  to  a 
remarkable   degree,   and   the  opportunity  presents   it- 


PAGE  96 

MAKING  MONEY 

self,  go  into  business  for  yourself  and  you  will  win. 
If  not,  hold  onto  your  present  position,  but  be  always 
on  the  lookout  to  better  yourself,  and  increase  your 
salary,  and  in  the  meantime  invest  your  surplus  money 
in  some  good  security. 

When  making  an  investment  do  not  be  blinded 
either  by  your  own  prejudice  or  the  prejudice  or  crafti- 
ness of  some  stock,  bond,  mortgage  or  banking  house 
salesman.  Remember  this — and  in  doing  so  realize 
that  it  is  a  frailty  of  human  nature  and  the  instinct  of 
self-preservation  that  makes  it  so — that  whatever  a 
man  or  firm  is  offering  for  sale  at  the  time  you  ap- 
proach them  is  the  best  thing  for  you  to  buy.  Other 
investments  offered  by  other  firms  ma^  be  good — but, 
this  is  best  for  you.  Realize  this  frailty,  use  your  own 
judgment,  don't  knock  the  other  fellow,  and  invest 
in  what  seems  best  to  you  after  hearing  the  stories 
of  all  of  them. 

The  writer  can  command  no  language  strong 
enough  in  which  to  express  his  contempt  for  the  so- 
cial parasite  who  obtains  the  money  of  people  under 
false  pretenses  or  by  making  glittering  promises  of 
great  wealth  on  short  notice  without  ever  intending  or 
expecting  to  make  any  returns.  It  matters  not  whether 
he  be  an  absconding  cashier  or  president  of  a  bank, 
the  president  or  representative  of  a  noted  stock  or 
bond  house,  who  has  knowingly  sold  the  stocks  or 
bonds  of  a  corporation  that  is  watered  beyond  all 
limits,  or  a  *'fake"  mining  promoter.  These  men  all 
belong  in  the  same  class,  they  are  rascals  and  their 
place  is  behind  the  prison  bars. 

I   shall  now  present,   as  concisely  as  possible,   the 


THE  LAW  OF  FINANCIAL  SUCCESS 

various  methods  of  investing  money,  and  in  an  un- 
prejudiced manner  give  the  advantages  and  disadvan- 
tages of  each. 

At  the  head  of  all  investments,  as  regards  safety 
of  capital,  stand  government  bonds.  They  are  in  no 
way  attractive  to  the  small  investor,  because  of  the 
low  rate  of  interest.  Their  principal  demand  is  by 
National  Banks,  which  are  compelled  to  buy  and  de- 
posit these  bonds  with  the  United  States  Treasurer, 
to  protect  their  issue  of  bank  bills.  State  bonds  are 
considered  almost  as  safe  as  government  bonds 
(though  some  states  have  repudiated  their  obliga- 
tions), but  also  pay  a  low  rate  of  interest. 

Savings  banks  pay  their  depositors  three  and  some- 
times four  per  cent.  Placing  money  in  a  savings  bank 
may  be  regarded  as  an  investment,  since  the  depositor 
loans  his  money  to  the  banker,  and  he  in  turn  uses 
that  money  to  earn  money  for  the  stockholders  of  the 
bank.  It  would  take  a  great  many  years  for  a  man  to 
acquire  a  competence  or  to  become  financially  inde- 
pendent by  merely  keeping  his  money  in  a  savings 
bank. 

Municipal  bonds,  including  county,  city,  town, 
school,  water,  city  hall,  sewer  and  special  assessment 
bonds  pay  from  four  to  five  per  cent.  The  best  ones 
are  in  large  demand,  at  these  low  rates  of  interest,  by 
large  estates  and  trustees  for  the  investment  of  trust 
funds,  the  investing  of  which  is  restricted  by  law  to 
securities  of  this  character.  Some  municipal  bonds 
are  safer  than  others,  depending  upon  the  standing 
and  character  of  the  municipality  issuing  them.  All 
depend  upon  some  form  of  taxation  for  the  payment 


MAKING  MONEY 


of  interest,  as  well  as  principal.  The  best  way  to 
purchase  municipal  bonds  is  to  get  in  touch  with  some 
reputable  bond  house  making  a  specialty  of  them,  and 
buy  under  the  instruction  of  some  man  whom  you  can 
trust  to  tell  the  truth. 

Steam  and  electric  railway  bonds  and  public  serv- 
ice corporation  bonds  may  all  be  classed  together  for 
convenience  sake.  They  pay  from  four  to  seven  per 
cent.  In  buying  them  it  is  best  to  consult  an  authority, 
as  some  are  very  much  safer  than  others. 

Real  estate  mortgages  pay  from  four  to  eight  per 
cent,  depending  upon  locality  and  the  character  of 
security,  and  are  in  large  demand  by  a  class  of  in- 
vestors who  have  sums  varying  from  $5,000  and  up- 
wards, and  who  depend  upon  this  class  of  investment 
for  an  income.  In  buying  real  estate  mortgages,  know 
the  people  who  are  placing  the  mortgages — their  abil- 
ity to  make  the  interest  payments,  and  whether  there 
is  any  chance  of  default.  There  is  a  moral  as  well 
as  a  financial  obligation  involved  here. 

Real  estate  pays  anywhere  from  five  to  ten  per 
cent,  depending  upon  its  location.  While  there  are 
opportunities  for  large  profits  in  the  appreciation  of 
real  estate  in  some  localities,  there  is  always  the  risk 
of  great  depreciation.  One  thing  should  be  remem- 
bered in  buying  real  estate  for  a  permanent  investment 
and  that  is  the  danger  of  booms,  with  their  enthusiasm, 
lack  of  judgment,  inflated  prices  and  general  lack  of 
conservatism.  Remember  that  the  yield  should  be 
adequate  to  the  risk — see  to  it  that  the  uncertainty  of 
an  income  is  reduced  to  a  minimum. 

Industrial  stocks  pay  from  five  to  twenty  per  cent. 


THE  LAW  OF  FINANCIAL  SUCCESS 

and  are  dependent  largely  upon  the  commercial  con- 
ditions of  the  country,  the  nature  of  the  business,  the 
amount  of  competition,  and  the  character  of  the  man- 
agement. The  utmost  caution  should  be  exercised  in 
investing  your  savings  in  stocks  of  this  character,  and 
you  must  know  absolutely  that  you  are  dealing  with 
reliable,  capable  and  honest  people. 

Mining  stocks  pay  from  six  to  two  hundred  per 
cent  on  the  par  value,  and  are  dependent  upon  the 
character  and  location  of  the  property,  and  the  re- 
liability of  the  men  in  control.  There  is  always  great 
danger  to  the  small  investor  in  putting  his  money  into 
mining  stocks,  as  he  is  not  in  a  position  to  determine, 
as  a  rule,  the  intrinsic  value  of  same.  He  must  de- 
pend wholly  upon  the  character  and  reliability  of  the 
men  who  are  responsible  for  the  intelligent  and  con- 
scientious use  of  his  money  in  the  operation  of  a  min- 
ing property.  More  fortunes  have  been  made  in  min- 
ing than  in  any  other  of  the  many  industries  in  the 
United  States.  There  have  also  been  many  a  poor 
man's  and  woman's  hard  earned  savings  lost  by  turn- 
ing over  their  little  all  to  some  glib-tongued  promoter 
while  there  was  not  at  any  time  even  a  remote  possi- 
bility of  ever  getting  any  returns. 

The  all-important  question,  when  investing  your 
money,  is  to  know  those  with  whom  you  are  doing 
business.  There  are  many  meritorious  propositions 
being  handled  by  honest,  capable  men,  which  offer 
great  opportunities  to  the  small  investor,  and  if  he 
can  but  use  careful  judgment  and  discretion  in  de- 
termining the  right  persons  to  do  business  with,  there 
is  no  reason  why  the  most  humble  cannot  acquire  a 
competency  by  careful  and  intelligent  investing. 


PAGE  100 

MAKING  MONEY 

The  reader  may  know  of  or  learn  about  lots  of 
other  ways  of  investing  money,  besides  those  pre- 
sented above.  If  so,  and  they  "look  good  to  you," 
after  putting  the  facts  in  each  case  through  the  mill 
of  Reason  and  Judgment,  take  advantage  of  the  op- 
portunity. If  you  lose,  do  not  be  a  "namby-pamby** 
and  cry  over  spilt  milk;  "get  busy"  and  begin  again. 

And  even  if  great  reverses  come  and  everything 
you  possess  is  swept  away,  don't  sink  back  in  despair 
and  give  up  the  ship.  Rest  awhile  and  then  go  at  it 
again  harder  than  ever,  but  this  time  follow  the  LAW. 
It  is  no  sin  to  go  broke  or  even  to  be  bankrupt.  The 
dishonor  lies  in  remaining  so.  As  Josh  Billings  said: 
"Sukces  don't  konsist  in  never  makin'  mistakes,  but  in 
never  makin'  the  same  one  twict."  And  Ella  Wheeler 
Wilcox  writes: 

"  'Tis  easy  enough  to  be  pleasant 
When  life  flows  by  like  a  song. 
But  the  man  worth  while  is  the  man 
With  a  smile  when  everything  goes 
Dead  wrong." 

In  judging  any  investment  it  is  always  wise  to 
know  a  few  inside  facts  in  regard  to  the  proposition 
offered.  The  only  way  to  find  out  anything  is  by 
asking  questions  either  of  yourself,  while  you  are 
reading  the  "prospectus"  or  else  of  the  officers  of  the 
company,  if  you  do  not  find  these  questions  answered 
somewhere  in  the  literature. 

The  following  *'Investors*  Questions**  are  taken 
from  a  book  called  "Financing  an  Enterprise"  by 
Francis  Cooper,  published  by  the  Ronald  Press,  and 


THE  LAW  OF  FINANCIAL  SUCCESS 

will  bring  out  the  truth  in  regard  to  an  investment,  if 
anything  will.  Don't  hesitate  to  ask  them  of  anyone 
who  wants  you  to  invest  your  money  with  him. 

I.  NATURE  OF  ENTERPRISE. 

1 .  Is  the  basis  of  the  enterprise  sound  ? 

2.  Is  the  business  or  undertaking  profitable  elsewhere? 

3.  What  competition  or  opposition  will  be  met? 

4.  What  peculiar  advantages  does  it  enjoy  over  these  others? 

5.  Can  it  be  conducted  profitably  under  existing  condition*? 

II.  PLAN  OF  ORGANIZATION. 

1 .  In  what  state  organized  ? 

2.  What  is  the  capitalization  ? 

3.  Is  the  capitalization  reasonable  ? 

4.  Has  the  stock  been  issued  in  whole  or  in  part  and  if  so,  for  what? 

5.  Is  the  stock  offered  for  sale  full-paid  and  non- assessable  ? 

6.  Has  any  of  the  stock  preferences  ? 

7.  Is  any  stock  unissued  or  held  in  the  treasury  ? 

8.  Who  has  stock  control  ? 

9.  Are  the  rights  of  smaller  stockholders  protected  ? 

10.     Are  there  any  unusual  features  in  charter  or  by-laws? 

III.  PRESENT  CONDITION  OF  ENTERPRISE. 
Aa  to  Property. 

1 .  What  properties  or  rights  are  controlled  ? 

2.  What  is  their  value  and  how  estimated  ? 

3.  Are  these  properties  or  rights  owned,  or  held  under  lease, 
license,  grant,  option  or  otherwise  ? 

4.  If  owned,  are  titles  perfect  ? 

5.  Are  there  any  incumbrances  on  the  properties  or  rights  ? 

6.  If  not  owned,  are  the  holding  papers  in  due  form  ? 

7.  If  not  owned,  are  the  terms  of  holding  reasonable,  satisfac- 
tory and  safe  ? 

8.  In  event  of  liquidation,  what  would  be  worth  of  property  ? 

As  to  Operation. 

1 .  What  operations  have  been  or  are  now  carried  on  ? 

2.  What  have  been  the  results  ? 

3.  What  difficulties,  if  any,  have  been  encountered  ? 


MAKING  MONEY 


4.  What  is  demand  for  the  product  or  operation  of  the  en- 
terprise. 

5.  What  is  present  status  of  the  enterprise? 

6.  Are  proper  books  kept  ? 

As  to  Finance. 

1.  What  are  the  present  assets  and  their  actual  value? 

2.  What  debts,  claims,  fees,  rents,  royahies  or  other  payments 
or  obligations  are  now  due  or  are  to  be  met  and  carried  ? 

3.  From  what  resources  are  these  to  be  met  ? 

4.  Who  handles  the  moneys  and  under  what  safeguards  ? 

5.  What  are  or  will  be  the  running  expenses,  salaries,  etc.  ? 

IV.  MANAGEMENT. 
D/rec/or5. 

1 .  How  many  members  in  the  board  ? 

2.  Who  are  these  members  ? 

3.  What  is  their  past  record  and  present  business  status  ? 

4.  Who  are  the  active  members  of  the  board  ? 

5.  Who,  if  any,  are  inactive  ? 

6.  Are  meetings  regularly  held  and  attended  ? 

7.  Who  compose  the  executive  committee,  if  any,  and  what 
are  its  powers  ? 

8.  Are  the  directors  stockholders  to  a  material  amount  ? 

Officers. 

1 .  Who  are  the  officers  ? 

2.  What  are  their  previous  records  ? 

3.  What  are  their  special  present  qualifications  ? 

4.  Are  they  able  to  work  together  without  friction  ? 

5.  What  compensation  do  they  receive  or  are  they  to  receive  ? 

6.  Are  they  interested  in  the  enterprise  beyond  their  salaries  ? 

V.  PLAN  OF  OPERATION. 

1.  What  is  the  general  plan  of  operation  ? 

2.  What  special  reasons,  if  any,  led  to  its  adoption 

VI.  THE  PROPOSITION. 

1 .  Is  the  general  proposition  a  fair  one  ? 

2.  Is  the  price  of  stock  or  bonds  reasonable  ? 

3.  How  do  these  prices  compare  with  any  former  prices  ? 


THE  LAW  OF  FINANCIAL  SUCCESS 


4.  If  common  stock  is  offered,  do  preferred  stock,  bonds  or 
other  profit-sharing  obligations  take  precedence  and  to  what 
amount  ? 

5.  What  reserve  of  profits  will  be  retained  before  dividends 
are  to  be  declared  ? 

6.  If  preferred  stock  is  offered,  is  it  cumulative,  does  it  vote, 
when  is  it  redeemable  and  at  what  price,  what  sinking  fund 
provision  is  made  for  redemption  and  are  any  peculiar  pro- 
visions attached  ?  Do  any  bonds  or  other  obligations  take 
precedence  of  the  preferred  stock  ? 

7.  If  bonds  are  offered,  what  interest  is  paid,  and  when  and 
where;  upon  what  property  are  they  secured,  and  when  and 
how  paud;  is  the  trustee  or  trust  company  of  repute;  under 
what  conditions  are  the  bonds  foreclosable;  when  and  how  are 
they  or  may  they  be  redeemed;  are  there  any  other  securities 
taking  precedence,  and  are  there  any  peculiar  provisions  in 
deed  of  trust? 

VII.    GENERAL. 

1 .  What  is  the  previous  history  of  the  enterprise  or  the  prop- 
erty or  undertaking  on  which  it  is  based  ? 

2.  If  inventions  enter  prominently,  what  is  the  previous  record 
of  the  inventor  ? 

3.  By  whom  are  the  statements  made,  and  is  the  party  making 
them  reliable  ? 

4.  Are  there  any  contracts  or  obligations,  not  now  effective,  by 
which  the  enterprise  will  subsequently  be  affected  ? 


DEFINITION  OF  THE  WORD 

FIDUCIARY 

€[,A  legal  term  designating  a  person  in  whom 
a  peculiar  trust  and  confidence  are  reposed 
by  another;  the  relation  which  subsists  be- 
tween such  persons.  Pertaining  to  one  occu- 
pying a  position  of  trust  and  confidence  or  to 
his  duties  as  such;  as,  a  fiduciary  relation  or 
capacity  as  that  of  an  attorney,  guardian  or 
trustee.     Unwavering;  trustful;  undoubting. 


ANNOUNCEMENT 


SHE  Fiduciary  Company  finances  legit- 
imate mining  enterprises.  Its  busi- 
ness is  conducted  upon  the  same 
plane  as  that  of  banking  houses  or  trust 
companies,  which  handle  the  underwriting 
of  the  stocks  and  bonds  of  a  railroad  or 
industrial  corporation. 

Any  investment  offered  to  its  clients  has 
first  been  hypercritically  examined  and 
passed  on  by  its  own  staff  of  experienced 
and  capable  engineers,  whose  judgment 
has  been  confirmed  by  the  company's  con- 
sulting engineers  as  to  the  physical  and 
technical  conditions.  All  titles  and  legal 
features  have  passed  the  thorough  examina- 
tion of  the  company's  counsel. 

The  personnel  of  the  men  managing  any 
property  The  Fiduciary  Company  would 
offer  to  its  clients  must  be  of  such  charac- 
ter as  to  unqualifiedly  command  confidence. 

Some  banking  houses  and  trust  companies 
make  a  specialty  of  handling  the  usual 
forms  of  investments,  such  as  government, 
state,  county  and  municipal  bonds  and  kin- 
dred forms  of  securities.  Others  handle 
exclusively  the  stocks,  bonds,  notes  and 
mortgages  of  steam  and  electric  railways; 
while  still  others  specialize  in  the  industrial 
and  real  estate  investment  field. 

The  "Fiduciary  Specialty"  is  that  of  offer- 
ing the  stocks  of  mining  companies,  which, 
because  of  their  very  character,  must  return 
exceptionally  large  profits  to  first  investors. 

To  show  the  possibilities  of  such  proper- 
ties, both  as  to  appreciation  of  stock  and 
as  to  dividend  earning  powers,  we  will  here 
cite  instances  of  several  companies  financed 
at  different  times  by  different  men. 

The  stock  of  the  Calumet  &  Hecla  Mining 
Company  of  Michigan,  with  a  par  value  of 


$25.00  per  share,  sold  at  the  time  of  its 
reorganization  for  $12.00  per  share,  and 
previous  to  that  time  for  much  less.  The 
present  market  value  is  $800.00  per  share, 
capitalization  being  $2,500,000,  and  divi- 
dends amounting  to  $7,000,000  were  paid 
during  1906,  or  over  250%  on  the  par  value 
of  the  stock. 

The  stock  of  the  North  Butte  of  Mon- 
tana, with  a  par  value  of  $15.00  per  share, 
was  placed  on  subscription  on  the  17th  day 
of  March,  1905,  and  was  greatly  over-sub- 
scribed the  same  day.  The  present  market 
value  is  $80.00  per  share,  capitalization 
being  $9,000,000,  and  dividends  to  the 
amount  of  $3,950,000  were  declared  during 
1906,  or  over  40%  on  the  par  value  of  the 
stock. 

The  stock  of  the  Calumet  &  Arizona  Min- 
ing Company  of  Arizona,  with  a  par  value 
of  $10.00  per  share,  was  obtained  by  some 
of  the  original  investors  as  low  as  64  cents 
a  share.  The  present  market  value  is 
$155.00  per  share,  the  capitalization  of  the 
company  being  $2,000,000,  and  dividends  to 
the  amount  of  $2,600,000  were  declared  dur- 
ing 1906,  or  over  125%  on  the  par  value  of 
the  stock. 

When  the  stocks  of  these  and  other  simi- 
lar companies  were  first  placed  on  the  mar- 
ket, the  "regular"  old-time  banking  houses 
v/ould  not  handle  them.  Now  they  are  ab- 
solutely a  staple  investment  and  are  classed 
with  government,  state,  county  and  munici- 
pal bonds,  and  kindred  securities,  and  have 
the  added  value  of  being  much  more  profit- 
able to  their  pioneer  investors. 

With  the  proper  safeguard  the  advantages 
of  this  particular  form  of  investment  are 
many.     They  then  represent  unusual  stabil- 


ity  and  safety  of  capital,  combined  with  a 
steady  monthly  or  quarterly  income,  and  in 
many  ways  are  far  superior  to  any  form  of 
insurance  policy,  as  they  can  be  turned  into 
cash  at  any  time,  their  appreciation  in  value 
being  many  hundred  per  cent. 

The  Fiduciary  Company  specializes  these 
investments  because,  where  offered  under 
the  safeguards  of  the  "Fiduciary  Policy," 
they  eliminate  speculative  features  and  give 
the  small  investor  an  opportunity  for  un- 
usual profits  through  the  production  of 
new  wealth  from  Mother  Earth  in  the 
shape  of  metals  needed  in  the  arts  and 
sciences  and  for  which  there  is  a  constant 
and  permanent  demand. 

Should  a  man  or  number  of  men  discover 
or  obtain  and  develop  a  mining  property  to 
a  stage  beyond  that  of  a  "prospect"  where 
it  is  merely  a  question  of  developing  a 
proven  body  of  ore  of  known  value,  which 
by  the  judicious  use  of  capital  will  make  a 
dividend  payer,  the  proposition  should  be 
brought  to  us. 

We  wish  to  make  it  clear,  however,  that 
The  Fiduciary  Company  does  not  entertain 
any  mere  mining  prospect.  There  must  in 
every  instance  have  been  sufficient  work 
done  to  demonstrate  an  ore  body  in  paying 
quantities  and  of  unquestioned  values. 

The  Fiduciary  Company,  by  reason  of 
the  unusual  care  exercised  in  the  investiga- 
tion of  any  mining  property,  which  it  would 
offer  to  its  clients,  occupies  a  unique  and 
useful  field. 

First,  because  it  represents  the  investor 
from  the  preliminary  stage  of  investigation, 
step  by  step  to  the  fulfillment  of  all  the 
statements  made  in  the  "prospectus." 

Second,  its  careful  analysis  of  every  phase 


of  a  proposition  in  advance,  for  the  investor, 
is  much  more  thoroughly  accomplished  than 
he  could  possibly  do  it  for  himself.  If  a 
client's  investigations  are  not  complete — 
and  they  rarely  are — he  can  but  lose  the 
limited  amount  of  his  investment,  while  if 
our  investigations  do  not  disclose  the  facts — 
and  all  of  them — we  not  only  risk  many 
times  the  individual's  loss  in  money,  but 
jeopardize  our  reputation,  which  no  amount 
of  money  could  replace. 

The  Fiduciary  Company  stands  in  a  posi- 
tion of  peculiar  importance  to  those  who 
become  investors  in  it§  offerings,  as  well  as 
to  the  enterprises  it  finances. 

With  an  organization  of  mining  and 
mechanical  engineers,  and  legal  experts,  it 
can  examine  any  property  presented  for 
consideration,  to  the  most  minute  detail, 
rendering  a  decision  based  upon  the  abso- 
lute facts,  never  allowing  bias,  sentiment 
or  speculation  to  affect  its  conclusions — 
thus  protecting  the  investor  to  the  fullest 
extent. 

The  "Fiduciary  Method"  consists  of  a 
perfectly  organized  system  of  getting  in 
touch  with  a  large  number  of  investors  who 
are  seeking  to  benefit  themselves  finan- 
cially, and  to  place  their  surplus  where  it 
will  bring  profitable  returns. 

The  closest  investigation  is  made  of  any 
property  offered,  and  then  the  facts  are 
presented — ALL  of  them — and  it  is  only 
upon  these  facts  that  the  company  depends 
for  its  sales. 

The  "Fiduciary  Method"  appeals  exclu- 
sively to  people  who  think  for  themselves 
and  who  can  appreciate  what  the  "Fiduciary 
Method"    really    means,    and    become    our 


clients,  realizing  that  they  may  always  de- 
pend upon  getting  a  "square  deal." 

The  business  of  this  company  must  not 
be  confused  with  that  of  a  brokerage  house. 
We  are  in  no  sense  of  the  word  "brokers." 
We  do  not  deal  in,  or  buy  and  sell  miscel- 
laneous stocks.  Our  business  is  purely  that 
of  financing  developed  mining  properties  of 
unquestioned  value.  We  organize  a  com- 
pany, become  its  fiscal  agents,  underwriting 
a  sufficient  amount  of  its  stock  to  enable 
the  company  to  become  a  dividend  payer. 
Our  work  for  and  our  connection  with  such 
corporations  do  not  end  when  we  have  sold 
all  the  stock  necessary  for  the  purpose 
named. 

For  the  better  protection  of  our  clients* 
interests,  we  always  nominate  some  of  the 
directors  of  each  corporation  financed. 
When  any  company  that  we  may  finance 
has  become  a  dividend-payer,  we  arrange 
to  have  the  stock  listed  on  some  one  of 
the  recognized  stock  exchanges,  and  when 
this  is  done  we  employ  a  trust  company  to 
act  as  registrar,  we  acting  as  transfer 
agents.  In  this  way  we  are  always  in  close 
touch  with  all  companies  that  we  have 
financed,  and  are  in  position  to  protect  to 
the  fullest  extent  the  interests  of  those  who 
have  entrusted  to  us  their  money. 

"FIDUCIARY"  stamped  upon  any  propo- 
sition is  as  "STERLING"  upon  silver. 

Send  us  your  name  and  address  and  we 
will  cheerfully  submit  to  you  such  offerings 
as  we  may  have. 

The  Fiduciary  Company, 

Ninth  Floor,  Tacoma  Building, 

CHICAGO,  ILL. 


(S 


NOTICE 


1 1  HE  FIDUCIARY  COMPANY  always  has  on 

^   hand  for  public  subscription  the  stock  of  some 
good  mining  property  in  one   of   the   various 
stages  of  development  up  to  the  point  of  becoming  a 
dividend  payer. 

The  price  asked  for  this  stock  is  either  at  or  below 
par ;  the  object  of  its  sale  being  to  furnish  capital  for 
the  development  of  the  property,  such  as  the  installa- 
tion of  mining  and  milling  machinery,  the  payment  of 
labor,  etc.,  etc.,  at  the  same  time  placing  in  the  hands 
of  the  Company's  clients  an  excellent  investment, 
which  combines  safety  with  a  good  income.  The 
invariable  rule  of  stocks  of  this  character  is  a  marked 
appreciation  in  value  when  they  reach  the  dividend- 
paying  basis,  and  a  good  sized  monthly  or  quarterly 
dividend  which  comes  as  the  natural  result. 

If  you  are  interested,  and  would  like  to  receive 
literature  on  the  mining  property  now  being  financed, 
kindly  sign  and  send  to  us  the  blank  on  the  other  side 
of  this  page,  and  we  will  mail  it  at  once. 

THE   FIDUCIARY   COMPANY 

Ninth  Floor, Tacoma  Building 

CHICAGO.  ILLINOIS 


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PROSPERITY  IN  THE  HOME 


"Peace  be  within  thy  walls,  and  prosperity  within 
thy  palaces." 


HERE  need  be  no  poor  homes. 
Every  home  can  be  prosperous. 
You  can  prove  this  by  getting  busy 
along  the  right  Hnes.  Every  visible 
item  of  wealth  in  the  world  today  can  be 
traced  to  its  invisible  source.  Food  comes 
from  grains.  Grain  is  planted  in  the  earth; 
but  who  sees  or  knows  the  secret  quickening 
that  touches  the  seed  and  makes  it  to  bear  a 
hundredfold?  No  one.  That  is  all  carried 
out  in  the  invisible  Source  of  things;  but  the 
result  of  that  unseen  force  acting  upon  the 
grain  is  food  for  the  multitude. 

The  physical  substance  that  v/e  call  the 
earth  is  the  visible  form  of  the  spiritual  sub- 
stance that  pervades  all  things.  The  grain 
is  put  into  the  earth,  but  it  is  the  quickening 
thought  that  runs  through  the  spiritual  uni- 
verse that  causes  the  life  germ  to  start  and 
take  hold  of  the  physical  substance  that 
nourishes  it. 

The  Word  is  the  seed.  The  Word  is 
dropped  into  the  spiritual  substance.  It  ger- 
minates. It  grows.  It  brings  forth  after  its 
kind.  "Do  men  gather  grapes  of  thorns,  or 
figs  of  thistles?" 

You    who    farm    and    you    who    garden 


choose  the  seed  for  next  year's  planting  from 
the  finest  specimens  of  this  year's  crop.  You 
reject  every  defective  seed  that  you  detect. 
If  you  think  that  your  own  harvest  does  not 
give  you  the  right  seed  for  the  coming  plant- 
ing, you  send  abroad  for  the  best  to  be  had. 
In  this  way  you  make  sure  of  the  nature  of 
your  coming  crop. 

If  you  want  prosperity  in  your  home  you 
will  have  to  exercise  the  same  intelligent  dis- 
crimination in  your  Word  seed  that  the 
farmer  uses  in  selecting  his  corn  seed. 

When  you  talk  and  talk  "hard  times" 
and  "money  scarce,"  you  are  sowing  hard- 
times  and  money-scarce  seed.  By  the  sure 
law  of  growth  and  yield,  what  kind  of  a 
harvest  will  you  reap?  If  a  farmer  sowed 
thistle  seed  and  then  complained  that  his  field 
did  not  yield  him  wheat,  you  would  say, 
"The  foolish  man!  If  he  wanted  wheat, 
why  didn't  he  sow  wheat?" 

You  can  begin  now  to  bring  prosperity 
into  your  home.  The  first  thing  for  you  to 
do  is  to  discard  the  words  that  have  in  them 
the  idea  of  poverty,  and  then  select  carefully 
the  words  that  hold  the  idea  of  plenty. 
Never  make  an  assertion,  no  matter  how  true' 
it  may  look  on  the  surface,  that  you  do  not 
want  continued  or  reproduced  in  your  home. 
Do  not  say  that  money  is  scarce  with  you ;  the 
very  statement  of  such  an  idea  will  send 
money  fleeing  from  your  fingers.  Never  say 
that  times  are  hard  with  you;  that  word  will 
tighten  your  purse  strings  until  Omnipotence 


is  powerless  to  loosen  them  to  slip  in  a  dime. 

Begin  right  now  to  talk  plenty,  think 
plenty,  give  thanks  for  plenty. 

The  spiritual  substance  out  of  which  the 
visible  item  of  wealth  comes  is  never  de- 
pleted. It  is  right  with  you  all  the  time.  It 
will  respond  to  your  faith  in  it.  It  will  yield 
according  to  your  demands  upon  it.  It  is 
never  affected  by  your  ignorant  talk  about 
hard  times,  but  you  are  affected,  because 
your  ideas  govern  your  demonstration.  The 
unfailing  Resource  is  always  willing  to  give. 
It  has  no  choice  in  the  matter;  it  must  give, 
for  that  is  its  nature.  Pour  your  living  words 
of  faith  into  this  mind  substance,  and  you 
will  be  prospered,  though  every  bank  in  the 
world  shut  its  doors.  Turn  the  energy  of 
your  thought  upon  "plenty"  ideas,  and  you 
will  have  plenty,  no  matter  what  men  about 
you  are  saying. 

Another  thing:  You  are  not  to  take  your 
prosperity  as  a  matter  of  fact.  Youare  to 
be  as  deeply  grateful  for  every  denionstration 
as  you  would  be  for  some  unexpected  treasure 
poured  into  your  lap.  You  are  to  expect 
prosperity  because  you  are  keeping  the  law, 
but  you  are  to  give  thanks  for  every  blessing 
that  you  gam.  This  keeps  your  heart  fresh. 
Thanksgiving  for  good  may  be  likened  to  the 
rain  that  falls  upon  the  ready  soil,  refreshing 
vegetation  and  increasing  its  productiveness. 
When  Jesus  Christ  had  only  a  little  supply 
from  which  to  feed  a  multitude,  he  gave 
thanks  for  ivhat  he  had,  and  that  little  grew 


into  such  an  abundance  that  all  rvere  satisfied 
and  much  Tvas  left  over. 

Blessing  has  not  lost  its  power  sincethe 
time  that  Jesus  Christ  used  it.  Try  it  an3 
prove  its  efficacy.  The  same  power  of  multi- 
plication is  within  it.  Praise  and  thanks- 
giving Kave  within  them  the  quickening,  spir- 
itual power  that  produces  growth  and  in- 
crease. 

Never  condemn  anything  that  is  in  your 
home.  If  you  want  new  articles  of  furniture 
or  clothing  to  take  the  place  of  that  which 
may  be  at  the  point  of  giving  out,  don't  talk 
about  what  you  have  as  being  old  or  shoddy. 
Watch  your  ideas;  see  yourself  clothed  as 
befits  the  child  of  the  King,  and  your  house 
furnished  as  your  ideals  make  pleasing.  It 
will  all  come.  Use  the  patience,  the  wisdom, 
and  the  assiduity  that  the  farmer  employs  in 
his  planting  and  cultivating,  and  your  crop 
will  be  as  sure  as  his. 

The  truths  that  are  here  spoken  are  vi- 
talized and  energized  with  the  living  Spirit. 
Your  minds  and  hearts  are  now  open  and 
receptive  to  the  ideas  that  shall  inspire  you 
with  the  understanding  of  the  potency  of  your 
own  thought  and  word.  You  are  prospered. 
Your  home  has  become  a  magnet,  drawing  to 
it  all  good  from  the  unfailing,  inexhaustible 
reservoir  of  supply.  Your  increase  comes 
through  your  righteousness.  "The  blessing 
of  the  Lord,  it  maketh  rich,  and  he  addeth  no 
sorrow  with  it." 


"WEE     WISDOM'S     WAY" 

Myrtle  Fillmore 

An  understanding  of  the  basic  principles 
of  Practical  Christianity  is  gained  through 
reading  "Wee  Wisdom's  Way."  The  book 
contains  the  true  experiences  of  the  power 
and  results  of  Truth  teachings. 

One  cannot  fail  to  grasp  the  fundamentals 
of  Christian  Healing  after  reading  the  simpli- 
fied lessons  in  Myrtle  Fillmore's  "Wee  Wis- 
dom's Way."  While  the  book  has  been 
written  in  the  form  of  a  story,  it  teaches 
plainly  the  valuable  truths  which  produce  a 
healthful,  happy  life.  The  teaching  is  prac- 
tical. The  story  reaches  the  inner  personal 
life  and  establishes  the  creative  idea  of  the 
healing  power  of  Christ  in  the  heart  of  the 
reader. 

This  hook  's  for  those  ipho  are  searching 
for  a  simple  exposition  of  the  Science  of 
Being. 

And  for  the  child  and  youth  we  cannot 
recommend  a  better  book.  The  universal 
truths  are  made  perfectly  clear  in  language 
that  young  people  can  understand.  No 
longer  is  the  secret  of  health  and  happiness 
concealed  from  them  when  they  have  heard 
the  message  of  "Wee  Wisdom's  Way." 

The  book  contains  a  number  of  note- 
worthy illustrations.  It  is  well  printed  and 
beautifully  bound.  The  price  of  the  edition 
de  luxe  is  $1.50,  postpaid. 

UNITY  SCHOOL  OF  CHRISTIANITY 
Tenth    and    Tracy   Avenue,    Kansas   City,    Missouri 


LESSONS    IN    TRUTH 

fep  H.  Emilie  Cady 

A  complete  course  of  instruction  in  the 
fundamentals  of  Christian  Healing.  The 
best  course  for  beginners  in  the  study  of  the 
Truth  of  Being,  and  very  acceptable  to  those 
who,  educated  in  other  forms  of  religious 
thought,  are  seeking  for  more  light. 

It  would  require  a  large  volume  to  contain 
the  testimonials  that  have  been  freely  given 
by  those  who  have  been  mentally  and  spir- 
itually illuminated  and  physically  healed  by 
reading  these  inspired  lessons. 

They  have  been  the  most  widely  read  les- 
sons on  Truth  published,  and  can  be  read 
and  re-read  with  increased  appreciation  and 
value  by  every  class  of  religious  and  think- 
ing people. 

Contents:  1,  Statement  of  Being;  2, 
Thinking;  3,  Denials;  4,  Affirmations;  5, 
Faith;  6,  Definitions;  7,  Spiritual  Under- 
standing; 8,  Secret  Place  of  the  Most  High; 
9,  Finding  the  Secret  Place;  10,  Spiritual 
Gifts;  1  1,  Unity  of  the  Spirit;  12,  Bondage 
or  Liberty — Which? 

Cloth  binding  stamped  in  gold,  gold  top, 
price  $1.00;  trench  edition,  $1.50;  limp 
binding  (pocket  edition),  $2.50.  In  neat 
paper  cover,  50  cents. 

UNITY  SCHOOL  of  CHRISTIANITY 

Tenth     and     Tracy     Avenue,     Kansas     City,     Mo. 


CHRISTIAN  HEALING 

Charles  Fillmore 

This  book  is  a  systematic  explanation  of 
the  healing  taught  and  demonstrated  by 
Jesus  Christ. 

There  are  twelve  lessons  in  "Christian 
Healing"  which  come  under  the  following 
subjects:  1,  The  True  Character  of  Being; 
2,  Supreme  Being's  Perfect  Idea;  3,  Mani- 
festation; 4,  The  Formative  Power  of 
Thought;  5,  How  to  Control  Thought;  6, 
The  Word;  7,  Spirituality,  or  Prayer  and 
Praise;  8,  Faith;  9,  Imagination;  10,  Will 
and  Understanding ;  II ,  Judgment  and  Jus- 
tice; 12,  Love. 

In  addition  to  these  twelve  regular  lessons 
there  are  Auxiliary  Lessons  and  essays  on 
vital  subjects,  treatments  for  special  cases, 
and  one  chapter  on  *'How  Healing  Is 
Done,"  giving  treatment  instructions.  There 
is  also  a  set  of  affirmations  for  spiritual  de- 
velopment accompanying  each  regular  lesson. 

The  sixth  edition  revised,  containing  260 
pages,  sells  for  75  cents  per  copy  in  neat 
brown  paper  cover,  and  $1.50  per  copy  in 
substantial  cloth  binding;  trench  edition  for 
soldiers,  $1.50.  Limp  binding  (pocket 
edition,  $2.50. 

UNITY      SCHOOL      OF      CHRISTIANITY 
Tenth    and    Tracy    Avenue,    Kansas    City,    Missouri 


Unity  School  of  Christianity, 
Kansas  City,  Missouri 

Publishes  numerous  books  and  the  following 
periodicals  that  promulgate  Practical  Chris- 
tianity : 

UNITY  MAGAZINE— The  applica- 
tion of  Practical  Christianity  in  the  life  and 
affairs  of  man  is  the  keynote  of  this  magazine. 
Its  teaching  explains  the  laws  of  Being  v;nich 
govern  the  mental  and  physical  realm. 
Unit^  Magazine  is  a  monthly  periodical  of 
100  pages.  The  subscription  price  is  $1.00 
a  year. 


WEEKLY  UNITY— This  Truth  pa- 
per has  helpful  messages  for  all  people.  It 
contains  eight  pages  of  uplifting  and  inspir- 
ing reading.  The  practical  subjects  found  in 
Weekly  Unity  will  prove  helpful  to  you.  In 
the  columns  of  "Weekly"  are  reviewed  the 
great  thoughts  and  ideas  of  the  foremost 
metaphysical  thinkers  of  the  world.  Price 
$1.00  a  year. 


WEE  WISDOM— Here  is  a  monthly 
periodical  that  teaches  the  child  and  youth 
the  secret  of  health  and  happiness.  It  pre- 
sents the  Truth  in  language  that  the  young 
reader  can  understand.  Wee  Wisdom  is  full 
of  stories,  poems  and  articles  that  are  inter- 
esting and  instructive.  The  subscription  price 
is  50  cents  a  year. 

(P9— lOM— 4-18) 


SOUTHERN  Pe'jiO',^-. 


B     000  003  356     3 


1 


